<prompt> Human: I would like to pay off my student loans with Navient due to just shady business practices. I have about 50k left with them in school loans but due to changes in plans and interest rates Ive got pretty bad credit. About 590 - 610.Navient says the only way theyll release my loans is for them to be paid in full. Ive tried a few school loan consolidation companies and they are only for federal loans. Ive tried a few banks but they wont give me a loan for that much and I dont have a viable consigner at the moment. Are there any other options? Or ways of getting a loan to get away from Navient? Ive managed to lower my payments with them to 400 a month after some crying and having them review my finances and bank statements, but thats only for a few months and then Ill have to see if I qualify again? I can make regular payments of about 400 a month but its not feasible to try to plan an extra 200-300 a month just in case Navient tries to do something. I make about 46k a year already working about 55 hours a week, comes out to about 1200 per paycheck after taxes in CA pay about 1000 in rent and utilities, got my food budget down to 150-200 a month depending on if I need to restock items. I do have a jiu jitsu gym membership for about 100 a month plus doing some work for them, which I really dont want to give up due to the social bonding and mental physical health benefits. Then besides Netflix and phone and public transit which is al another 100ish per month. I do have private loans which are 200 and 5000 in credit card debt where those payments are about 300-350 a month. So usually I have about 100 as extra emergency funding savings if I can. Due to a recent breakup with my boyfriend I had to suddenly move so I dont have a savings at the moment and wont get my security deposit back for about 30 days. But that should be about 800 once they take out the associated cleaning fees. I know I could get a second job and Ive looked into doing things online, but I travel a bit for my job so that sometimes makes it difficult when you dont always have reliable internet or need to rely on fate for hoping you get somewhere on time. Any suggestions would be appreciated! Tl; dr: is there anyway to get an approximately 50k private loan so I can leave navient with a credit score of around 590-610 and only making 46k a year? UPDATE: thanks for the replies! I knew it was pretty futile but didnt know if anyone had advice or suggestions. Appreciate the help!  <response>: is there anyway to get an approximately 50k private loan so I can leave navient with a credit score of around 590-610 and only making 46k a year?No. 