<prompt> Human: I have a total of about 180k in student loan debt 100k private, 80k federal from undergrad an grad school - I have my masters. I currently lease a car for 200month, rent for 840month. My credit card has a balance of about 2000 on it which Im paying off slowly.Ive refinanced my federal loans for about 425month. I make about 43k a year from my public school based job and work during the summer as a camp director making about 8k over the summer.I keep getting denied from banks when I try to refinance my private student loans with the reasoning being debt to income ratio is too high - even with my mom as a co-signer.I cant afford the 1300mo private loan payment with the 425mo federal payment on top of my other expenses. What can I do? Any suggestions would be helpful.  <response>: You absolutely cant refinance working your current job. What is your masters in? Are you under-employed? Honestly, you may need to get a second job here. 180,000 is a significant amount of student debt, and getting denied for refinancing is a sure sign youre not properly handling it. 