<prompt> Human: I dug myself into an elephant sized grave. I could really use some advice, but to get proper advice I think I need to tell you everything that has happened, including all of my finances and my personal story. Please be gentle, Im already beating myself up enough as it is.So last october I quit my PhD program in biology because I realized scientific research at a high level is not what I want to do long term. At this point, I had collected about 150,000 in student debt from undergrad and a previous year of masters work. I had quit a masters program to pursue a PhD program that was free of cost, then finally admitted it wasnt right for me and left with a Masters in Biology.Around this time I got into a major car accident my fault, my car was totalled and my insurance skyrocketed. I used the money I got back from the insurance company to buy a 2001 Ford Focus and got liability only. I then got a job in a contract position in a lab making 17 an hour. During this time two things happened. 1. I finally identified what I DO want to do, which is web development dont know if I will ever be able to go to school for that though... may never get to live my dream and my car broke down. I was tired of having cars that died and so I bought a 2014 Toyota yaris because I truly thought I would be keeping this job.Over the past year previously mild anxiety decided to become severe. I didnt have health insurance becuase I couldnt afford it on my own and my company doesnt give it to you until your permanent, so I couldnt see a therapist or get on medication. As a result my anxiety spiralled out of control, I made some mistakes at work, my confidence sunk to an all time low and this last tuesday they decided to end my contract. Emotionally I am very up and down. Financially its a nightmare. Im very worried I wont be able to find work in time to support myself.Here is the nitty gritty of what I oweLenderAmountRateFixedvariableType Minimum monthly paymentFed loans8500 6.8FixedDirect subsidized stafford loan33.88Fed loans14807.936.8FixedDirect unsubsidized stafford loan59.02Fed loans19229.867.9FixedDirect student plus loan 76.64Fed loans4694.884.5FixedDirect sub stafford loan 18.71Fed loans2164.556.8FixedDirect unsub stafford loan 8.63Fed loans5691.335.6FixedFederal stafford loan 22.68Fed loans2761.46.8FixedFederal unsub stafford loan 11Fed loans5711.646FixedFederal stafford loan 22.76AES 4396.886.8FixedFederal stafford loan 53.4AES 1282.846.8FixedFederal stafford loan 15.58Perkins 689.695? 40Firstmark5198.658.68? Private 55.18Wellsfargo19209.5210.24? Private 221.07Chase20909.484.25Standard variablePrivate Still defferedAES 14540.343.13Standard variableAlternative loan 293.33AES 9901.643.63Standard variableAlternative loan 266.01AES 10625.73.63Standard variableAlternative loan 270.84Total150316.33 1089.73This is WITH my federal loans on IBR.My other expenses currently areCar: 240 cost was 13KCar insurance: 240 becuase of that accident, its insane. I also had to get comprehensiveCar is 3.9 APRApartment: 525Food: 250 I could try to get it down to 200Utilities: 50Internet: 40Gas for car: currently noneI had a credit score of 811 miraculously when I bought my car, though Im sure thats gone down now.Importantly, I only have 4K in savings.What do I do??Im in deep.I filed for unemployement, but Im not sure if the state of california gives it to contract workers. Regardless, Im stuck in my lease for 3 more months. I am going to help my roomate find a new roommate to replace me and hopefully only have to pay the month of august. Then I can move in with my bf and his landlord will only charge 200 a month extra, which my bf can cover while Im jobless.I dont know what to do. The obvious thing seems to get rid of the car but I live in an area were I need transportation and I really dont want another junker. Im tired of cars that cant get me where I need to go. I also dont want to use my cash to put down for another car, and with no income I dont think a bank would finance me for another loan so I would literally have to buy a 1K clunker.I feel like a failure. I knew nothing about money growing up and while I have become much much more responsible it seems the mistakes I made during my college years will haunt me for the rest of my life.I did get a job interview for monday through my bf who is a winemaker, working as a lab tech. My concern is that its a 3-4 month contract and may only pay between 12 and 15 an hour. There will definitely be overtime as they are harvesting the grapes and said they would I expect I would work 8-10 hour days,but still. Its also an hour commute.Is it better to take this job as income temporarily and in 3 months apply to biology jobs again I couldnt get time to interview while working the lab tech job as harvest is crazy busy time while hemmoraging my savings, or hold out for the potential of getting a biology job even though that could take 2 to 3 months easy.I am going to call the federal loans monday to have them put into forebearance, but will private loan companies do that? I dont want my mom, the cosigner lives across the country so cant really help besides a hundred bucks here and there to get screwed over.Im definitely in need of your advice and humbly ask that you help me, reddit.Assistant: not sure what to say... youre in deep. the military might be a viable option... I believe they will repay your loans after a certain length of service.You could also try to finagle your way into a public service job which carries forgiveness after 10 years.you will never repay 150k earning 15 an hour, so you will be living poor for 25 years till the regular forgiveness kicks in.Human: I have looked into the military... I dont think m personality suits it, plus I am a petite woman. They also pay pretty terribly and I dont think they do anything about private loans.And i definitely wouldnt be living on 15 an hour forever. Just for a year or so.Assistant: well, they wont be handing you a gun. They would presumably make use of your degree.youre paying 12grand a year in pure interest... thats hard to get ahead of.Human: yeah. When my boyfriend and I get married and when we are in a position were we can do this we plan on living off of one income for a year or two and using the other income to throw at the student loans to get it hopefully to at least 100K.  <response>: Youre not being downvoted because of how or what youre saying per se, but because its a bad idea overall 