<prompt> Human: I made some bad decisions when I was signing up for college. I signed up for 2 horrible loans.One is from the federal govt which I owe 6,000 and Im pretty sure the interest rate is pretty low.I also have a Sallie Mae loan that started at 14k and has now ballooned to 40,000 so im sure the interest is at a ridiculous rate. I think it has defaulted because it got sent to another company that is trying to collect the debt from me.I also owe about 600 in taxes.I earn about 50,000year and I pay around 300 in child support and pay around 850 a month in living expenses including rent and have little to no savings.I feel like Im in a hole and Im not sure how Im going to get out. Its hard to imagine even trying to pay my student loans because with the interest it seems impossible to pay off. My credit is horrible so there is no chance on taking a loan with lower interest. BreakdownDEBT:40,000 Sallie Mae6,000 Fed Loan600 Taxes300 Child Support850 Monthly Living expenseIncome:50,000yearAny advice is greatly appreciated.  <response>: Where is your money going? You make about 2800month, after taxes. Youve got about 1100 in monthly expenses listed, where is the other 1700month going to, if youre not paying any of your debt or saving money?Get your shit together. You graduated college with a relatively small amount of debt, and youve got a reasonably good paying job now. Make a budget, and keep your expenses low. Look into exactly what you need to do to rehabilitate those loans, and start throwing as much money as you can at them. 