<prompt> Human: I come from a poor family and was first in my generation to finish college. I went to a state school, but out of state, because I didnt know any better when I was 17. My parents co-signed about 115,000 in student loans for my Biology degree. After school I went to grad school 3 years and started working as a scientist 65,000year.At this time, my student loans have now ballooned into 265,000 of debt, just based on interest accrued over the last 10 years. I owe about 10 different lenders, mostly SallieMae now Navient, AES, and Chase. My monthly loan payments are around 2,500, and my monthly take-home is about 3,300. Ive used all of my deferment and grace period extensions on all of my loans.Ive been living paycheck to paycheck since my first job in high school and have no savings. I rent, and dont yet own my car. If given the chance, Id certainly do things differently and attend an in-state school, and approach things in a much wiser manner. My parents didnt know any better, and neither did I.So, I am almost to the breaking point. Ive been the CheckIntoCash and pawn shops way too often just to try not to default obviously these are extremely poor stop-gaps. I shopped around for my current job and had to move thousands of miles to get this salary, and unfortunately the cost of living here is very high, making 800month unfeasible for where I have to work when considering rent, utilities, car payment, etc. Within a month of two, Ill stop being able to make on-time payments, and my parents equally bad finances mean the repayment burden will fall on them, which will mean they will lose their house.Im not a bad kid, and have been continuously employed since 14, never got into any trouble, and just didnt know a thing about finances when starting out in the world. Is there anything I can do now to fix my situation? I dont want my parents to suffer horribly because of my own ineptitude, and wish there was something I could do. I called each loan company and spoke at length many hours about alternate repayment plans, hardships, etc., but the best they can do are graduated repayment structures, etc., but nothing brings the monthly payments into payable territory for me. I really need the advice of somebody who knows how to help.Thanks for any insights.EDIT -- Thanks for all the helpful suggestions. Oh, and fuck all the idiots saying I shouldnt have kids and stuff... Im a goddam human being working hard, and picking the wrong school at 18 doesnt equate for mandatory sterilization you retarded pricks. On a happier note, I got a lot of good advice here and will contact a lawyer with my parents, and will work on a plan. Ill attempt IBR for my smaller federal loans and graduated payment structures for the private loans. Ill also consider consolidation, release of parental co-signers, and just generally pick up odd jobs and keep hunting for a better job. Thanks everyone except the assholes!  <response>: Why do people sign loan documents that put them _hundreds of thousands_ of dollars in debt and wonder if theres a way out!? If theres one thing people should learn its: dont do this!I know many people who get 2-year medical degrees at a college, are only 10k in the hole, and make 40k to start. 