<prompt> Human: Looking for advice...some insight? Maybe some wisdom or guidance from someone whos been in this situation..?Please no rude or mean comments. Im already feeling very down about myour financial situation. Recently received notice of this years new monthly fed student loan payment...1,100 due for the next 12 months IBR plan for a family of 4. Im down, depressed and anxious about how this is going to work within our family budget and financial goals. We wont have enough left over to save for retirement or a down payment for a house.My husband and I are in our mid 30s with an infant and a toddler daycare costs!. Home ownership no longer seems possible. Retirement goals are shattered. And forget about saving for our childrens education funds. Travel or vacation? Not possible. I feel like a complete idiot. I hate myself for making such an idiotic and life-changing decision of attending grad school. Instead of getting ahead in life, Ive set my family and our life goals back - in a major way! Here is a look at what our financial situation will be once my student loan kicks in next month: 6,600month combined monthly net incomeOur monthly bills:-1,700 daycare for 2-1,450 rent for 2 bedroom in LA area, considered cheap in not so nice area-800 groceries-300 health life insurance-80 auto insurance for two very, very old but paid off cars-500 utilities: elect, gas, water, trash, internet, cell-155 husbands fed student loan-140 diapers, wipes, formula -1,080 my upcoming fed student loan6,600 6,205 395 left over for the month but didnt include gas for workhome commute and other misc expenses that may come up.And please, PLEASE no rude or mean comments. Im already feeling very down, depressed and anxious about the negative financial situation I put myself in. Not only does it affect me and my husband, but our two little ones as well.x200B;Edit:We live in southern California and moving out of the area or state is not an option due to husbands job.We are renting a 2bd not a nice area either.Neither of us has family in the area who could watch our children in lieu of daycare.The only pro that I could come up with: I work for a non-profit...so there is PSLF I need to do more research on thisx200B;  <response>: Until the toddler and infant start primary school, oneboth of you might need to do a side hustle on the weekends or at night until your day care costs go away.It wont be forever , but the next 2-4 years are going to be a grind, and thats just the situation you guys have created. I assume you took out 100k in student loans, and went ahead and had kids before cleaning it up. Im not judging you, but you have to work more and get more income for this to work. 