<prompt> Human: The most expensive payment is navient 170 a month was cosigned by my dad so I cant lower that payment at all. I dont really know what to do as life is barely affordable with them. I also have 2 others which I havent paid in 12 months - fed loans and another private loan. Total debts around 45-50k. I am aware of income based repayment on fed loans. I have a big repair due on my car 1000 rear axle leaking oil and if my car died on me, Id be done, not being able to get to work. I only make about 1720 a month and my student loans are forcing me to live with my grandparents and do over an hour drive to work and back each day gas and wear on my car are also hurting. What can I do to make these payments more reasonable so I can afford to live? I appreciate advice, thanks!  <response>: Post your entire budget. Break down your loans into private and federal. 