<prompt> Human: My student loan debt right now is right at 50K with private and Gov. combined. I work a job that doesnt pay much and I am barely getting by each month. What are some of the things I can do to better my situation? Can I re-finance, apply for forgiveness, work a side job etc.? I have recently updated my resume and am currently looking for a much better job. Any and all real : advice is appreciated! Assistant: My income is 12.80hr. Minus 50 bi weekly for Health, Dental, and Vision. Also taxes. Phone bill: 120monthCar Insurance: 52monthUtilitiesRent Average: 300monthGasFoodAll other: 350monthPrivate Loan: 311month 7.5 Variable interest38000 in total left to pay.Gov. Loan: 115month 3.5 interest rate10000 in total left to pay. I have graduated college its just been tough going finding a job.  <response>: Essentially what you have which you know is an income problem. If I were you - I would be supplementing your full time work with part me as well bartend, wait tables, deliver pizza which could easily double your income while you search for new employment 