<prompt> Human: I put myself through undergrad and graduate school. Of my undergraduate loans original amount 30,107 I have 16,921 left to pay. These have no interest and I am paying off at 197 permonth. The graduate loans is where I get into trouble. I borrowed 54,666 at an interest rate of 6.8 with the intention of paying it off as soon as I got a good job. LIKE EVERYONE ELSE in my situation, I cant find a good job!! I was waiting tables while putting myself through grad school so I went on the income-based repayment plan which put my monthly payments at 0 because I was making minimum wage. After graduating with my M.A. though, I quit that job in hopes of getting a real job, but its been months and still no job! I am freaking out because I see my principle balance and interest just climbing and climbing!! I now owe 65,774.80 and I dont know what to do!!! I am still not paying towards this because my monthly payment for my undergrad loans is pretty much all I can handle while living on my savings. Does anyone have some advice on what I can do??? Besides magically finding a job--believe me I am trying!!! I cant get another loan to pay off the balance with a credit card or loan that has a lower APR because I wont qualify for a loan that size. Any suggestions??? p.s. the Graduate Loan is through NelnetEdit: For those wondering why I quit my serving job before getting a new one...I ended up with health issues needing surgery which took me off of foot dutylifting anything for 4 months. Since I couldnt work, I figured Id use those months to look for a job in my degree field. Now that Im out of the service industry, I really want to stay out -especially with my health condition now- and put that energy into finding a job in my field rather than applying to another filler job. Edit 2: The main question is...does anyone know if there are better options for reduced rate interest that I could transfer the graduate loans to or somehow stop the massive interest accruing that is going on?  <response>: Try using a temp agency that specifically places people in your field. That could get your foot in the door. 