<prompt> Human: So Im graduating with a degree in nursing in April. I currently have 49,732 worth of federal loans most with an interest rate of 6.8. I also have 6200 in private student loans and 6300 worth of credit card debt. Im not worried about the credit card debt as much because it will be paid off rather quickly once I start working. We have been living on my fiances income for the past two years while Ive been in school and this year he made 39k. We plan to take the income I make when I start working to essentially pay off the credit card ASAP and live at the current standard we are right now for a little while. My main question is should I consolidate my student loans and what type of consolidation should I use? At this rate with the standard repayment plan I would have a payment of 564 a month on my federal student loans. Its hard for me to estimate my income because I will be a nurse and my income will vary based on how much I work since I will be getting paid hourly. At the VERY minimum with the lowest salary working day shift with no overtime I would make 36k a year. Please help!  <response>: Congratulations on not getting into too much debt and on getting a degree that opens up job possibilities! Things could be worse...I truly hope that the two of you can continue living on his salary until all the debts are paid off. That is probably going to take something like two years, less if you earn more than the 36k that you mentioned. After that, any income you make is yours to keep; wont that be nice?So just some encouragement from me, and good luck. 