<prompt> Human: I am currently in grad school. When I graduate, I expect to have about 45k of debt. I have heard that if you hire a lawyer, then you can get your monthly payment lowered. Is this possible?Assistant: If you dont mine me asking, what is your grad degree in? This seems like a very reasonable amount of debt for a post graduate degree, just curious as to what earning potential you are looking at, you may not need to focus on lowering your payment as low as possible but instead just getting rid of the loan ASAP. Human: It is an MFA program in Creative Writing. I dont think I have any earning potential, maybe a couple thousand bucks here and there doing adjunct work, but I prefer to assume I will never move forward in my career. It is ridiculous and childish to think that any money can be made from having an MFA. I want to write. Thats all I care about. If I can reduce the payment to a really low monthly payment, then I wont feel so bad about making the investment.  <response>: But your investment is actually going to be more if you make lower monthly payments. 