<prompt> Human: Long post here, Im just going to spill it all out and try to be as organized as possible with my thoughts. About me: 27 years old : Still living with parents. Single Went to 2 for profit colleges getting a useless associates and a 3D art bachelors. Moved out of state for 2nd college, and lived entirely off of loans for 3ish years. Over those 3-5 years, the gaming film industry has started seeing corruption in outsourcing majority of their jobs across seas. Rendering me with a useless degree until my skills are at godsend level or I get really lucky while networking. Dont ask to see my portfolio, Im going to get enough shit from my bad financial decisions to get shat on more on my work Its been roughly 2 years since I graduated, spending about 10 months unemployed and looking for work. I work at a job thats Somewhat related to my field making around 34,000year. I also do part time 3rd shift at a job at a hospital making about 12 an hour. Im trying to find a 3rd source of income and I keep jumping around between ideas. Do I code an android app and hope for the best? Do I make funny youtube videos and hope for the best? Do I write a shitty book and hope for the best? I am constantly trying to learn new skills that could help me knock out a good portion of these loans. My DebtEverything should be summed up in these screenshots. The first 3 images are from Sallie Mae and the last is from Wells Fargo. As you can see, a majority of these loans are private. Id really like to know what is going on with all these different little interest rates for little loans on the Sallie Mae side. As you can see, it is literally impossible for me to make even reach a minimum payment. My parents Co-Signed most of my way through these loans. Im not in default status, but at one point I have received a threat letter for almost being set in default. My parents once again came and saved the day and made a generous donation to them.My Bills About 330 month on my leased car About 100 month on car insurance I currently have no health insurance, I NEED to get it by march though due to the affordable health care act. About 50 month on phone About 150 for gas random expenses The rest of what I got is split evenly among Sallie Mae and Wells Fargo, maybe 500 each a month? Im obviously not reaching the minimum payments required by them, but Im literally clearing out my bank account monthly to these companies in good faith to show that Im at least making an attempt.Yes, I get it Im dumb for spending so much on an art degree I should move out of the country My parents should be ashamed of me for dragging them into this hell with me. I suck at budgeting Death is the only way outIve contemplated suicide too many times over this, so I guess thats a plan B. I just want serious, constructive feedback on what I can do to start tackling this monster. Ive been in very high spirits the past month and Im motivated to come to a reasonable solution. I knew right from the beginning that I would be in a lot of debt, I think I am just running in horrible luck as far as the job market goes. Im working on that. Future Plans I want to get a cheap apartment, being 27 and single for over 6 years because of this ordeal is chipping away at my sanity. I want to save Thats basically it, I can worry about my retirement plan later in my 30s or 40s...I have to...Options Im Considering Consolidation - This may not be an option for me, I think its mainly for federal loans and not private. I also believe that consolidating would require me to take out another loan, requiring a co-sign again. I do not wish to dig my parents in the hole more than I already have. Bankruptcy - I dont know enough about how this works, I think I would need to speak to a lawyer. Repayment change - I considered this, but I figure that this would double my overall balance by the time its done. Deferment due to economic hardship - This just delays the inevitable. Forbearance - This I believe would require me to bring the balance to current, which is kind of impossible for me at the moment. Again, this just delays the inevitable. Income Based Repayment - If I do this with Sallie Mae, Id have to do the same with Wells Fargo separately, Id imagine that to still take up as much money as it does now with what I pay shrug.I wish I never went to college. Id rather be broke than be in debt. Its already said and done though, so Im ambitious to find out what I can do to both please my needs, and the needs of the puppet master.Thank you for reading my sob ass story, and thank you in advance for your advice. :Edit: Id like to add to the I get it portion. I get it, Im spending too much on my car. Just add that to my list of dumb mistakes to which Im now aware of and will remember this rude awakening I got from you guys to buy used. My main reason for this post is to try and get options on how to deal with these loan companies so I dont end up dying a debt slave. Apparently Income Based Repayment is only for federal loans, and that only takes up about 14 of my total loans, what can I do about the rest?Edit: Im trying to respond to each of you guys, I didnt know this post would blow up to this extent lol. Thank you all so much for all of your input, Im so grateful I discovered this website because my solo research on this matter has been quite slow. You guys are so awesome!Edit: For future responses, let me reiterate that I am not actively suicidal. Thank you all for youre kind comments regarding this, though they are unfounded. I only mentioned this just because it crossed my mind quite a few times. I was trying to just give you an idea at how much this situation is stressing me out. Again, thank you all for your support and advice. Ive gotten more good advice on this thread alone than Ive ever gotten in the past years from research and consult from banks and relatives. I am eternally grateful to everyone of you that posted here. I will give you all an update in the next couple of months to show you my progress. :Assistant: get on an income based payment plan, then pay that. yes it will take a long time to pay off, but many people are in the same situation. About 330 month on my leased car About 100 month on car insurancewhy are you spending 430mo on a car? plus another 150 on gas? break the lease, get something much cheaper with better mileage. an old civic, something reliable with better mpg I currently have no health insurance, I NEED to get it by march though due to the affordable health care act.at your income level, your health insurance cost will be heavily subsidized by taxpayersHuman: I dont want to get too caught up in the debate of leasing vs buying used. This just seemed like the most viable option at the time. I was borrowing my dads car to go to work 3rd shift at the time, and was revolving my entire schedule around his so I obviously needed something for myself. I know jack when it comes to cars, and dont really know anyone that does either. Its hard to trust that I can buy a 5000 car and it wont break down a month from now. I needed something that was RELIABLE and something that would give me piece of mind if something went wrong with it. This is almost no different then making payments on a new car. My post includes 150 for gas AND random expenses. I get like 35mpg 2013 nissan sentra. That was a rough estimate, I rarely buy things for myself. Please explain to me what that means that my insurance cost will be heavily subsidized by taxpayers?  <response>: Its hard to trust that I can buy a 5000 car and it wont break down a month from now.Im sorry, but this is utter bullshit that youre feeding yourself to make yourself feel better. If you want the nice car, thats fine... its your money... but I bought a 2004 Honda Civic with 50,000 miles on it for 8460 with a low-interest loan while I was in college. I just paid it off in December 9 months early. I havent had many problems with it at all, and the problems I have had, I was able to fix myself for almost nothing.O2 sensor went out... 70 OBD2 reader to diagnose check engine light. 100 O2 sensor... 15 minutes of my own labor.Muffler rusted off the car was purchased in upstate NY -- salt takes a toll... 100 muffler from Amazon and 2 hours of my own labor...The car now has almost 100k miles on it and the only other things Ive had to do to it are change its oil and get a new set of tires.For what youre paying for your car if you were buying it anyway, you could have 2-3 of mine and we both get to and from work just fine. :Oh, and at the end of my 3 years of payments, I get to keep it for nothing... When your lease is up, youre going to have to get something new... hopefully youll get something like my car.Also... I dont know how far away from work you are, but if its less than 10 miles buy a bicycle and use that to get to work. The exercise is a wonderful stress reliever and its ridiculously cheap. 