<prompt> Human: Quick look: - 65-72 debt to income - 6000 in CC debt - 120K in private student loans with 2.25-10.45 variable interest - 40K Federal Student Loans 3-7 interest - 1600month Student Loan Payments - 410 rent, currently 100 in utilities 45K Base Chemist Salary, just enough to get by month to month no emergencies 15K OT PossibilityAs a 28yr old with 160K in student loans, I find that I am paralyzed by the remittance terms and amount.What options should I be considering with consolidation? And how do I find a lender that I can be confident wont hold me to the coals like I feel currently. Definitely in need of some encouragement to make some sweeping changes to my financial outlook to provide me stability and the ability to take advantage of opportunities, such as receiving Masters in Chem. Eng. that my company currently will support. Also, would love to buy my own place 70-110K, but think this is way out of my grasp.Any input is extremely appreciated and critical criticism is welcome, I realize how my imprudence got me here.  <response>: Dont even think about buying a home until you clean up this mess and save some money. Sorry to break it to you but home ownership is a ways away but dont let that discourage you, let it inspire you. You need to get more money coming in by working overtime andor getting a second job. Get on a written budget and put as much money as you can toward paying off thus debt. Good luck man. The main thing you need to focus on is getting your income up and attack this debt. 