<prompt> Human: I have been trying to find free financial advice for my outrageous 97,000 student loan debt. I dont know if they all just have TERRIBLE graphic designers, but they all seem kinda scammy and predatory. How do I find free or very inexpensive, trustworthy advice from someone who isnt trying to sell me anything or get me to sign up for debt management programs? Thanks Reddit! edit: word choice---Edit 2: Okay, since a couple people have asked what my specific questions are, Ill add a bit more detail. First, my main question is HOW IN THE HELL AM I EVER GOING TO PAY THESE SUCKERS OFF?Heres the gist: I have 2 federal loan servicers with multiple loans under each servicer, and 1 private loan servicer. I had another private loan under a different servicer but I defaulted on it and it went to collections a few years ago. I defaulted because when I graduated they hiked my interest up from 5 to something like 11 or 13 so I was paying several hundred dollars a month to just maintain my debt and they were unwilling to work with me. Most of my debt is Federal Stafford loans, and most of them are at 6-6.8 fixed interest. My private loan I havent defaulted on seems the least harmful at 4 interest variable though. I havent been in contact with the collection agency in months, and Im a little worried that one will come and lash out at me soon. The other loans I have are currently in good standing, but Im barely chipping away at my debt considering Im on IBR plan on all but my private 4 loan which I am paying back at standard repayment. So for some of my federal loans Im barely paying anything, and on others Im paying but my payments arent even covering the interest they accrue for the month. The whole thing is so complicated and I feel like I need someone to sit down with me and look at the mess Im in and give me a step by step process for how to most effectively pay down this debt. Right now I cant pay much more than what I am paying my monthly payments are about 450, but I am considering moving back to my hometown to LIVE WITH MY MOTHER... ugh... in order to pay faster. If Im going to do that I want to know the quickest and most effective way to pay off the most amount of debt possible. Gotta make that time count for something. I feel like Im sending myself off to jail. Any advice? Hope this helps. ---Edit 3: Monthly budget. I bartend so a lot of my budget varies from month to month in terms of business and tips. Cash tips per week: 240-390Paycheck every two weeks: 300Monthly income: 1560-2160Rent: 650Utilities: NoneCar Insurance: 127Gas: 60Minimum monthly credit card payment: 100 Only have 1 card with 3,000 balanceFood: 250Entertainment: 150Pet care: 50GymFitness I ACTUALLY USE THIS: 60Private loan 1: 176Federal Loan Servicer 1: 89Federal Loan Servicer 2: 185Total: 1797So, basically, since I feel like I live from week to week because I have no savings, and my fat weeks make up for the lean weeks in tips, it seems like I barely make enough to scrape by. Maybe I should be spending less on food? I eat at home almost every meal, and I dont waste much. But I do buy organic stuff because I think its better for me.I have zero savings, and no real emergency fund. ---Edit 4: This keeps getting longer and longer! Heres the breakdown of my current loan balances. Servicer 1Stafford 1: 7,759.74Interest: 6.8 FixedStafford 2: 6,898.60Interest: 6.8 FixedStafford 3: 2,703.08Interest: 6.8 Fixed Servicer 2Stafford 4: 2840.86Interest: 2.32 FixedStafford 5: 4,578.69Interest: 6.8 FixedStafford 6: 2,621.50Interest: 6.8 FixedStafford 7: 7,137.18Interest: 6.8 FixedStafford 8: 3,568.56Interest: 6.8 FixedStafford 9: 8,139.61Interest: 6.8 Fixed Servicer 3Private 1: 14,050.95Interest: 4.0 VariablePrivate 2: 2,509.50Interest: 4.0 Variable Private 3: 7,607.31Interest: 4.0 Variable Defaulted loanPrivate 5 15,860 defaulted in collectionsAssistant: You can get good free advice here, ask a question.Dave Ramsey is great for people who dont know much.It basically a question of budget, spent less than you make, pay off debt. You probably dont need a service.Human: Ive listened to some of Dave Ramseys talks about budgeting and saving, and theyre great. I wish he would talk about student loans though. I feel like theyre a complicated and intricate beast. I added more info to my post in the edit for more info on my situation if youre interested and may have some advice. Thanks!  <response>: What is tricky about them? Just think of them like any other debt like credit cards or car payments. 