<prompt> Human: Hello PF,I screwed up, I screwed up really bad and I have no idea what to do. I defaulted on my private student loans totaling 93,000. Two of the three loans were with PNC for 61,000 and the third was with Chase for 32,000. Both are defaulted and they want their money now, quite frankly myself nor my parents have that money lying around. PNC offered 10 down and payments of 1 thereafter. Looking at my finances, there is no way I could afford this monthly. To make matters worse, my mom and step-dad are co-signed on these loans. To say the least they are freaking out, and I dont blame them. Quite frankly I am freaking out as well, as I have ZERO idea how to handle this or what to tell them. I know I fucked up and I will be the first to admit it. About my finances and myself- I am 24, I have my Bachelors degree in Culinary Management from a small private culinary school First Mistake. I am currently doing a management internship with a large hotel chain that will wrap up at the end of July. My yearly take home with this program is 33,000. My hourly wage is 11.53hour with 10 hours of overtime guaranteed a week at 17.xxhour. With that said, my take home bi-weekly has been between 850-1000. Once the program is completed in July, I move to another hotel where I will hopefully find a position that will pay me 40,000-50,000 annually. On top of these three student loans I have 3 other loans. Two of which are with Sallie Mae and current and the other with nelnet, which is current as well. I also have a car note that is 165.00Month and a cell phone bill that is 90month. My rent is 500 month with all utilities included. I can live pretty cheaply for the most part in terms of living expenses, I do enjoy going out once a month or so and I try to eat majority of my meals at work.PF, I am open to any and all suggestions, besides leaving country and leaving my family with this 100,000 burden. I am in tears typing this because I have no idea how to handle it or where to even begin. At this point I dont care how long I have to live under a rock to get back on my feet and repair my financial situation, I just want it repaired and to get my life back on track financially. Thanks for your help.  <response>: You are in trouble. I suggest you live with your parents and try to live on 200 per month at MOST!, with the rest going to student loans. Try and get rid of any other debts you have ASAP.Really. Withdraw 200 cash and only use that if you have to. This is an emergency. As you know, student loans WILL NOT be forgiven. You have to pay them off some way or your parents if you flake off -- do you really want to offset their retirement?, and it WILL be hard. Keep looking for a better job opportunity while youre at it, but I know it can be difficult...You need to come back to reality, realize that these mistakes can only be fixed the hard way -- the only way.Sorry if this came off harsh -- but its not the end of the world, and you definitely can climb out of this hole. 