<prompt> Human: Hey PF,To put it bluntly, Im pretty screwed. When I was 18, the advice I got was go to the best school you can and pay it later. I didnt realize my parents were sending me spending money that was just more money borrowed against my loans. I came out of school with about 180k, so Im paying it down at a decent rate. They were federal loans mostly around 8.9, so I had them consolidated into a private loan thats 5.75 about a year ago, so I have none of the cool IBR options. I got a stranger pregnant this past January. Begging them not to keep the baby, they insisted they were going to. The baby is due in October. We wont be living together. On a weekly basis do I beg her not to take me to court. Lawyers estimate court will demand about 2,500mo from me. She says if I send her 1,200mo she wont take me to court. My salary is 85,000yr, which translated to about 2,200 every two weeks after taxes. I moved into a 2 BR so baby mama could move in and split it with me. Shes not coming now. Thats 1695mo. Im trying to find a roommate. Loan payments are 1,200mo. CC Bills I barely touch as theyre 0 Balance until December, when Im likely to try to open up another 0 card and transfer them over to get another year of breathing room. Internet is FiOS, 60mo. Electric isnt bad. Theres another 14k in Student loan debt but the interest rate is 2.75 so I pretend that doesnt even exist. To summarize:In: 4,400mo Out: 1,200 loan 1,200 child support 1,695 potentially 847.5 Rent 59.99 FiOS 200.00 CC Minimum Total: 4355 3507.49So, I basically start my month with no money...Ill need to fly a few times a month so I can try to be a part of the kids life in some way, so thats an added expense. I have the opportunity to refinance the loans with two options: 5.21, 10 years, 1,000mo.4.61, 7 years, 1,400mo. Id need a cosigner for both. A friend of mine is offering to loan me 400mo for ONE YEAR to help me get on the second one, but unless I get a big honking raise, thats not sustainable. Im not even really sure what Im asking. What would you guys do? Id leave this place, but 1. Im sure the landlord will sue me for the remnant of the lease and 2. In the Boston area, 850mo is actually probably about as cheap as things will get. Im going to be in debt forever, I know that. I know if I ever want a house, my mortgage will doubly ensure that. I have about 47k in my 401k. Is it time to liquidate that? Im sure it isnt gaining interest faster than my loans are... Thanks for whatever advice you can offer. Im really on the precipice here. Cheers. Edit: Thanks for the advice, everybody. I know I shouldve already got the paternity test, but with this expense breathing down my neck, theres a big difference between 4k and 0.4k to me right now. Another important thing I failed to note; her name is actually on my lease as well. The original plan was to have her move in with me. But ya know, dont knock up strangers. Read my story and believe the lesson; use condoms. Really.  <response>: Cuba is nice this time of year, or forever. 