<prompt> Human: Hello I need advice on what I should do I graduated 3 years ago with a bachelors in information technology and in the process I managed to to take out loans that are worth 168000 112k in private, 56k in federal, pay 1500mo. So far after graduating I have not found a job in my field of study but I managed to get a manual labor factory job that pays after taxes about 1500 every two weeks but in order for me to make this amount I have to work about 30 hours of overtime . This is enough to pay on my loans but its not enough for me to live on my own I still live with my parents and I dont really like the job but continue to work there out of necessity. I still want to to find a job within my field of study but I am afraid that if I leave my current job I would not be able to make enough to pay on my loans and still have money to live off on. Also I believe that that even though an entry level position wouldnt not pay as much as what Im making now, in the future as I develop in my career I would make a lot more than what I earn on my current job and I wouldnt have to work as much overtime. So my question to you guys is given my situation, would it be wise to leave my current job for something in my field of study I really want to find something so I can continue to develop my skills and maintain a level of marketability to future employers even though I would make less than what Im making now?  <response>: You made big mistake. But I hope youre serious and fully understand the situation youre in.These debts will not go away, disappear or let you live unless you do a few drastic but very simple things.1No going out: you spent 10-15 years worth of discretionary funds, on your education.unless tomorrow you wake up with a job offer with an annual salary of 75k plus a bonus of 50k, its going to take a lot of hard work and discipline2 youre going to have to look for a better paying job or an internship with potential to jump to another company within a year or 2-OTHERWISE you will be a wage slave if you remain at your current job with the amt of pay you get let alone the fact you probably pay a shit load for insurance.3 cut down on your monthly expenses- you can only afford basics, phone? Better not have any data or you best have cricket wireless. No eating out, except once a year. Clothes, better wait for the sales because you CANNOT afford new stuff at full price, YOU ARE BROKE.You must understand that all the money you are making, is not your money, you have an obligation to pay your debts, you signed a contract.You made a mistake, now you have to pay the piper.Good luck, but this is the hard truth.I am not being an asshole, I am trying to help open your eyes.Do the math its very basic addition, subtraction and multiplication.Calculate expenses.Add up up income, multiply by how many pay periods per year.Income - expenses rent, utilities, food, insurance, fuel, and most importantly school loans your money 