<prompt> Human: My situation sucks and its my own fault. I have 125k in private student loans and Ive been defaulted on them for the last 5 years. For the last 5 years Ive made about 20k a year and I have totally ignored every piece of mail related to my loans. I dont have any liens. Im about to start a 40k a year job and I want to buckle down and pay off my loans as quickly and cheaply as I can. 1 Who can I turn to for good financial advice. I know those stupid things on TV have to be a scam.2 Do you have any advice for me? What are my options? My credit is shot and I pretty much buy everything cash now.Ive figured it up that I can live reasonably well for about 10k a year; thatd give me 30k a year to put towards my debt 50k a year later when I take on the second job, I cant take on the second job until the orientation at my fist job is over; nurse btw if youre curiousThe student loans are 5 separate loans, should I focus on paying only one off at a time or should I pay them all off equally? Just some ballpark advice would be nice; dont need exact numbers of figures.  <response>: For starters, youll have some amount less than 30K a year to drop towards your loans taxes will eat into your salary.The first thing you need to do is figure out the score. You need to start digging into the data regarding your loans. Who are they with? How much do you owe? How much have you been charged in penalties and interest the loans my be 300K or such.Once you have this data youll have to sit down and get the score dealt with. Private loans are the worst to have from a student loan perspective so be prepared for a lot of headaches. 