<prompt> Human: Looking for advice on lowering my exorbitant monthly student loan payment. I have 4 loans at around 8 interest with NJCLASS, that monthly payment is 1200. A few other Navient loans total 300 a month at similar interest rates 7-8.So Im paying 1500 a month in loans alone, fresh out of college, barely making 40k a year really more like 32,500 after taxes.What are my options? I tried Sofi, but they wont approve me without a co-signer, which I cant get right now. My credit score is 666.Any advice? Feeling pretty hopeless.Edit: I work in production as a video editor technically a production assistantAssistant: do you have the capacity for a side gig, it wont lower the payments but bring in more even a couple hundomonth would be good i met a kid that does 100day driving for lyft on the side Human: I could... I have weekends off. But I commute 90 minutes twice a day five days a week and I like the weekends to relax. I do need the money though.  <response>: I was in a similar situation to you when I was fresh out of college. Based on the information youve provided, the best thing you can do is get a second job and hammer down the loans. Does it suck that you dont get to relax on the weekends? Sure. You know what sucks more, though? Not being able to move forward in life because your credit is maxed, your score is awful, and you cant get financed for a homecaretc., let alone save for a down payment.The sooner you get your head in the game, the easier things will be for you in the future. 