<prompt> Human: Hi rpersonalfinance. Im having a bit of a crisis as of late. My student loan bills seem outrageously high, and it doesnt seem like there are any viable ways for me to combat this. I work a full time job making 20hr as a temp lab technician. For the past 6 months, my private student loan payments have been over 1,200 a month, and my federal loan payments are 300 per month. I commute an hour to and from work each day, and fill my tank up each week 45 a week depending on the gas prices that week. I have over 92,000 in student loan debt, I barely make my payments each month, I use my credit card for gas and food because I dont have the cash in my bank account. Im literally living paycheck while living with my parents rent free.What do I do? The rep from Navient blatantly told me that they wont lower my payments, SoFi wont refinance my loans even with a parent cosigner, which I thought was my ticket to lower payments and finally having a savings account. Id like to move in with my girlfriend in the next couple years but I wont do so without a savings, but getting to the point where I have a savings seems like its going to take decades. Any and all advice welcome.  <response>: I presume you have a bachelors degree? If you cant reduce your debt or refinance, you need to increase your income. You need to find a higher-paying job if youre only netting 18K my estimate a year post-tax from your job. By my estimates youre only working 75-80 hours a month.Look into full-time positions and better career prospects. Network and hustle. Or take on a second job if possible. How many hours a week do you work? What fields are you qualified to work in? What do you have a degree in? Unfortunately if you have expensive obligationsdebts you cant afford to keep your income this low. Its not an easy problem to fix, but you need to bring in more income. 