<prompt> Human: Hi guys, I made this throwaway account to get some feedback on my situation. If theres ANYONE in my boat Id love to hear how you are doing your financial planning.tl;dr - I messed up. I want to repay at 10,000mo so Ill be done with this loan in 3 years. Is it crazy? How can I do it? I have plans end of this post - is it doable? Any other suggestions?---Long Form Explanation starts here---1. Background on the loan: Medical school. I graduated but did not enter residency, and realized I dont want to spend the rest of my life as a doctor.I know I decided poorly, but hindsight is always 2020. I had fun in the school, realized something I dont want to do in my life, and I consider it a good life experience. I know I made poor life decisions. But I try to think it as one last crazy thing I did before I reached the age where they arent allowed. Please understand this when you want to comment how I made a mistake. I heard it plenty, I still hear it a lot. I am not gonna budge from my decision that I made the right choice to pivot back to being a software developer.2. Now:I was a computer science grad. I love programming.I am back in that field, working as a junior level full-stack app developer in the healthcare IT sector. They offered a 65000 yr salary. I got a 2 raise on top of that. My federal loan all of it repayment plan is Pay-As-You-Earn PAYE, where its 10 of adjusted gross incomeAGI, for 25 years.Then, whats left is forgiven in terms of a gift. I have to pay tax for that gift.This year, since my AGI was so low, I didnt need to pay any monthly fee. I still pay 400mo.Interest alone is 1,656.14mo, but I cant do it with my salary.My family doesnt have any money. We get by by running a sort of a AirBnB business, and my mother works about 11 hoursday with no weekends off. We rented out all our rooms, so I sleep in the garage.I chip in what I can for car insurance, cable Internet, etc. Monthly cash flow average:income after tax: 3,649.76- car expense: 400- tithe: 510- st. loan: 400 which can increase to 1100- sundryequipmentbooksgroceryetc : 423- utility Internet: 106total expense: 1,8393. Goal:I calculated that if I were to repay my loans in 3 years, I would have to pay about 10,000mo back. 4. Restrictions: a. I have to help my family, so I cant relocate. b. I want to start a business, because I think that has a likelihood of ramping up my repayment. c. After work, minus helping out in family business, leaves me about 3 hours every day, and maybe total 7 hours on weekends. d. I cant ask for raise as my company appears to be in the reds. We just had a massive layoff. Plus its not like I will get anything above 10, after reading about the norm.5. My decisions I need to create a multi-pronged approach to meeting my 10,000mo debt repayment plan. 1 Get a new job: I love my company, and the IT team - I learned a whole lot. But I believe with my skillset, I can be paid almost 70 more. 2 Do side gigs: I did Upwork for the first time, and finished a task data-scraping LinkedIn. It took me a week, and about 15 hours, and I asked for 50, since I need reviews first in order to ramp up my game. I could do more as a data scraper, web page developer, etc. 3 Start a business. I read tons of business books, and active in rentrepreneur, and I started two e-commerce companies but couldnt even launch them. High risk, but all I need is just one success. I just dont know where to start or if I can pull it off.Thats it. Thanks for reading. I would appreciate any tipsadvicehard-love, anything. I hate to look at my debt amount, but I even more hate the fact that Im financiallysocially paralyzed. I literally cant date anyone because of my situation - why cause pain to someone you care about? Better yet to just sulk alone..Sigh. Thanks for allowing me to let this out.  <response>: Stop tithing.Seriously.Stop. 