<prompt> Human: -27-3 kids, oldest in public school, middle child will be in preschool for 190month-Married-one car-One income around 57k, wife stays at home with kids.-A SHIT TON of student loans that is probably in 150k, some are federal loans that are currently in forbearance while I get income-based repayment set up-I messed around during college and really screwed myself over by just taking out money semester after semester. -I get paid gross 2500 every two weeks but after taxes exemptions claimed 10, state and federal my gross is 1700ish-Rent is 950-Three loans take out between 345-360 every month. with another at 100 -I feel crushed, crippled and I am suffocating I dont even have enough to save money.-Not to mention I hate my job, and was looking at a masters degree 70k that would make my salary 150k.-Im lost for words and really just thought I needed to throw this out in writing to get it off my chest, but I simply dont know what to do.EDIT: also Poor credit score, tried consolidate my private loans through sofi but it didnt go through.  <response>: First, start looking for another job. You have an enormous amount of debt and little income to hit it with. Start working a second job to earn some extra income. Even another 500 a month will go a long way. Same goes for your wife - is she employable? Daycare is expensive, but if your wife working can even net a few thousand a year, its still money you didnt have before. Stop thinking about the masters. Salaries arent guaranteed, nor is your completion of the program guaranteed. You dont need more debt at this point. Get on a written budget, prioritizing debt payoff. Sorry, there isnt an easy way out of this. This is going to be a few years of cleaning up the mess. I think with a new job and a second source of income, you could at least be done in 3-4 years. Until then, youre really going to have to work for it. 