<prompt> Human: I am 21 and recently graduated from university with a Bachelors degree in both economics and international studies, but my father had died shortly before I finished school. He had wanted to help me handle my student loan debts for my undergraduate education, but with his death that is obviously no longer going to happen. After I graduated, I looked at the total debts that had been taken out and found that I am now responsible for over 125,000 in student loans. My minimum payments for my loans add up to almost 14,000 a year, and I will be in the grace period until January. Additionally, after a very painful set of circumstances and legal realizations, my step-mother my real mother died a few years ago was able to take all of my fathers life insurance payouts and is refusing to lend any help. Right now I have a fully paid off car, 24,000 in an Ally Bank savings account, 1,300 in a checking account, and am currently living in a spare bedroom with my extended family. I have applied for multiple jobs, but I have yet to receive any callbacks it is still early. I am frightened by how I am going to cover such large debts that I had never anticipated having so early in my life. This is all in addition to mourning my fathers death. I am planning to join the military and have applied to the Naval Officer Candidacy School. I am currently waiting on an acceptance or rejection notice, but I am unsure if that path would be right for me given my substantial student loans. No naval officer jobs that I am eligible for offer the roughly 65,000 debt forgiveness incentive and so even if I do get accepted, Im not sure if it is the correct decision.I still want to join the military so I have been thinking of contacting enlisted armynavy recruiters for information on the situations where they do offer loan forgiveness. Basically, it comes down to a question of would the better pay and benefits of becoming a commissioned officer assuming I am accepted and make it be better than going the enlisted route that gives the loan forgiveness. There, of course, could be a situation where there is no way of getting the loan forgiveness at all, but I am trying to stay somewhat positive. If I could get some advice on my situation, I would really appreciate some other perspectives. Any sort of advice or suggestions would be very welcome. Assistant: How are your loans broken down? Private, federal, a careful combination of the two?Human: 4 Sallie Mae smart option loans. Three with 9 interest rates, the largest of the three with a 6.5 rate.  <response>: Those sound like private loans. If they are private they are not eligible for forgiveness through the military or almost any other government program. 