<prompt> Human: Ive followed PF and similar websites for years and you guys have really helped me educate myself and make sure I didnt make any life altering mistakes throughout college. I recently graduated with very little student loan debt. I make 30k a year as a teacher and have no debt besides these student loans. I have a newer car thats paid off, a great credit score, and have an emergency fund that would cover 6 months of expenses if needed. All in all, I feel like Im sitting pretty good for being in my mid 20s. Where it gets tricky is that my girlfriend has fallen into a trap that Ive heard about so many times with people our age. She has a 94,000 in private student loan debt and another 15,000 in federal loans. She makes 30,000 as a similarly paid teacher. I know taking out 110k in loans to make 30k a year is insane, but it is where were at currently. Throughout school she let her parents co-sign these loans, which are between 7-10 interest. Neither of them really talked about the implications of taking out these loans until she graduated, which was obviously way too late and due to a lot of financial illiteracy. I know the first suggestion is that shes going to need to increase her income but as a new teacher, she already has a full workload. She will definitely be working during the summer which should help. For the federal loans, she is going to apply for IBR and should be able to apply for PSLF after ten years. I havent read a single thing that would be applicable to the private loans though. Im fine helping with them, but I really just dont see how even our combined income could tackle this debt without being broke for many years to come. Weve already drastically changed our budget and are living pretty frugally as is but just the private loans take up over half of her monthly pay 15 year loans, about 900 a month. Is there anything else we havent considered? Her credit is in the 400s and were going to work on repairing it as soon as possible. I fear having this low of a credit score coupled with a similar one for her parents means that it will be very hard to refinance for a lower interest rate. I was also curious how much her credit scoredebt would affect me if we were to get married. Any advice would be greatly appreciated.Ill list each of the loans below and can post our budget if needed as well.Private Loan 1 - 24,674.44Interest Rate: 8.99Private Loan 2 - 23,316.82Interest Rate: 10.19Private Loan 3 - 3,213.41Interest Rate: 8.74Private Loan 4 - 21,266.75Interest Rate: 7.49Private Loan 5 - 21,580.03Interest Rate: 9.99Total: 94,051.45 with an expected payoff of 2031.Assistant: Some most? lenders will give you a .25 rate reduction if you sign up for autopay. Its not huge but with those loan amounts it will make a big difference. All I can really recommend is that you guys focus on getting her credit score up so she can refinance. In the meantime, Id suggest trying to make some extra cash. She should be able to find tutoring jobs since shes a teacher.Human: Its definitely small but it helps! I just looked into it and she has to open a checking account with her bank to get the discount, which we will do right away. Being new teachers, there just isnt a ton of time for tutoring. Maybe after her first year she could find a weekend job but shes already working 50 hours just between teaching, lesson planning, paperwork, and other responsibilities.  <response>: 50 is the bare minimum she should be working. She is under a mountain of debt and if she doesnt take drastic measures to pay it off she will never get out from under it. 