<prompt> Human: Over the past 4 years Ive accrued a massive amount of student loan debt. I attend a private engineering college and that was my first mistake, attending a university way out of my price range. My parents collectively make a little over 40k and Ive been paying for school through scholarship what little i get and student loans. My parents have been handling all of that but today my mother gave me a letter that from Great Lakes with all of the loan info. So I have 4 Parent PLUS loans with these interest rates: 36,745.00 7.9 39,000.00 6.41 25,000.00 7.21 51,611.00 6.84And 4 Sallie Mae loans: 17,493.00 6.75 fixed 3,394.13 8.75 variable 1,485.88 8.50 variable 892.74 7.50 variableIm currently an Engineering Management major at Stevens Institute in Hoboken.I work part-time at least 24 hours a week, sometimes more, at 15hour. I still have another 1.5 years after this semester ends before i get my degree. What should I do in terms of future loans and about the current ones I have now.I dont post often so Im unsure if I did it right. I would gladly accept any and all help. Thank you!  <response>: Just finish your degree as soon as possible not sure if its possible to shorten the 3 semesters you have left and try to live frugally while you do. At this point, youre so far in that your problems with 170k debt are essentially going to be the same as they will be with 230k debt, but with the latter youll have the degree and all that comes with it. Someone else said to start building your credit now, and you absolutely should. Open a student credit card, use it for your ordinary purchase and pay it off every month, and request a higher credit limit every six months. After you graduate, see if you can convert it to a different card with better benefits. Also consider refinancing after your loans enter repayment with a company like SoFi or something similar. The interest rates are far better. However, I would consider keeping your smaller loans out of it - you can knock those out one at a time to increase your fluidity, whereas your payment with a consolidated loan will never go down. By the way, is there a reason you havent taken out Direct Loans? Theyre capped based on your income and have a lower interest rate. If you cant take out Direct Loans, you might consider shopping around with private loans now, as youre already not getting the federal student loan protections so you might as well get the cheaper loan.Keep your head up and know that there are more people out there with the same problem than you realize. I have a friend who took a job in your field after graduation making 70kyear. Continue to live frugally after graduation--live with roomates, dont eat out too much, etc--and the debt will go down sooner than you realize. Finally, while my understanding is that higher degrees arent worth the money in engineering, if you do go to graduate school one day, I urge you to consider an evening program. You will pay less than half of what it costs to go full-time, and if appropriate weigh the costs at the time, you can use new Graduate Plus loans to pay off some of your old loans this will be more expensive in the long run, but you could then take advantage of income-based repayment.Youll figure it out! I graduated with about 110k with a political science degree. Not the smartest, but my parents didnt go to college and I just didnt know what I was doing at the time and neither did my parents - this was before TIL laws, and even now those disclosures dont sufficiently get to the parents in a way that blue collar workers can understand. Youll have a skill that immediately transitions to the workplace when you graduate, so honestly, youre far better off than many people that accrue that kind of debt and get arts degrees. You can overcome this. Good luck! 