<prompt> Human: A few months ago I graduated with a Ph D in Creative Writing. The job market is ultra competitive and although I have an excellent academic record I cant find a teaching position. My publishing record is weak with 3 out of print books that didnt win any critical acclaim or awards. My student loan balance is 135,000 and I have another 42,000 in credit cards. I also have 2 car payments, rent, food, phone, etc. to pay. Right now I am working construction for 11.75hour. I cant even pay my living expenses and had to take out a signature loan to catch up on my car payments so they wouldnt be repossessed. HELP!  <response>: Hi, I have a degree in creative writing. Im telling you that beforehand so you know Im not one of the STEM-heads shitting on you for getting that degree even though financially speaking, they are right.My student loan balance is 135,000 and I have another 42,000 in credit cards.teaching positionWhat was the thought process here? Why would you get that far into debt for a job field that averages something like 45kyear? Loan forgiveness is the only way to go for you, otherwise you will never be able to pay off this debt on a teachers salary. 