<prompt> Human: Hi personalfinance! This is my first time posting here, so please excuse any formatting rules I might be breaking. So heres whats up: I graduated from pharmacy school last year and I got 200k all federal loans in debt along with my diploma. I took the board exams, got fully licenced to practice in my state, and applied for positions. After the grace period, I still didnt have work, so I applied for forbearance. I figured that I only needed a few months to get on my feet and start getting paychecks. Well, oops. Still dont have a pharmacy job. Im getting even more nervous now that this years class is graduating soon. Im lucky enough to have parents who are willing to spot me in times of dire need, but I dont want to delay their retirement. In the meantime, Ive found work as a substitute teacher at a public high school, but its not steady enough to pay off the loans in addition to paying rentutilitiesfood. Recently, I was offered a temporary position as a pharmacist a few hours away for less than a month, but I think the experience and connections Ill make might allow me to find work soon after this assignment is done. The temp job starts late this month.Eventually, Id like to go back to school part-time to get my masters degree in public health, but only when my debt is under control and when it makes sense in my professional career.Non financial details: My mental health has been pretty bad, and its really hard to stay positive. Im going to start to apply to under-served areas that might have less competitive openings, but Im hesitant to leave my social support network because of my history of anxiety and depression. Im really grateful to everyone who took the time to read this! It means a lot to me! Here are my questions:-Should I apply for another forbearance? Can I do this? What are the proscons of doing so?-Should I look into the payment plans that are adjusted to my income? TL;DR: 200k in debt, cant find work, forbearance ending. Id like to know my options and what suggestions you might have for me. Thanks so much for taking the time to read this! :EDIT: Woah guys. I was expecting a few responses, but this kind of blew up overnight. Thanks so much to everyone who has responded. Heres my plan: Ill move the loans over to an IBR plan today. Im going to take the temp job and make connections and ask about openings around home. At the same time, Ill be pumping out applications to under-served areas. That way, Ill be keeping both routes of relocating and not relocating both open. I have a much better understanding of what I need to do. Some of you guys were wondering how I managed to get this much debt, but honestly, this is on the lower end for my graduating class. One of my best friends has 500k. I did a 24 year doctorate program. I did the 2 years of undergrad for almost nothing at a public state school, but I did the 4 years at a private school wasnt mentally ready to move out of state, and my state didnt have a pharmacy program. Looking back, I probably should have just bit the bullet and moved out of state.My advice to current and future pharmacy students:1Public schools. Do it. Seriously.2Get an intern job in addition to your school internships. I turned down an intern job because I wasnt sure I wanted to go into retail and waste their resources. Biggest mistake of my life. If youre concerned about limiting your study time, your employer will work with you. My classmate did 2 hoursweek when school got busy. The connections are invaluable. 3Residencies are awesome, but realize they are extremely competitive. Apply if you want, but dont bank on it. Have a back up plan. This might change if more residency programs become available.  <response>: Move to where the jobs are. 