<prompt> Human: I am freaking out a bit right now. I have a decent job in NYC making 46k a year. A few months ago I had calculated that my loans which I have to start paying in December would be 1000 a month, but I must have miscalculated as the bills have come and they total over 1500. I simply cannot afford to pay that living in the city I live in an outer burrow and am foregoing health insurance as it is. Do I have any recourse here?Assistant: How much are these loans, and what interest rate?Thats 18,000 year in repayments. Thats high as these things go.Human: Loans total 100k and the interest rates vary, the highest being 9.75.Assistant: What did you go for? whats the job doing?Human: English Polisci at a state school. Job is in market research.  <response>: You spent 100,000 on EnglishPoliSci with those rates, and at the time werent forward thinking enough about how to pay it back.This is the real educational loan crisis. 