<prompt> Human: My wife graduated nursing school with nearly 75,000 in debt private school. She currently works at For-Profit hospital. We pay 600 a month, with the private loans having been consolidated. Im getting ready to graduate with my nursing degree, but with considerably less student loans 30k, due to the Post 911 GI Bill.My Question: Is there anything we can do to lower our payment? We have even considered filing for bankruptcy, because we will be paying 1,000 a month, making it difficult to afford health insurance. Were also concerned that retirement is going to be a fallacy for us.  <response>: Can you detail out the loans you have with whether they are federal or private, the interest rate, and the amount owed on each?Bankruptcy wont help as student loans are very, very difficult to discharge in bankruptcy. 