<prompt> Human: Hi Pf Im posting on behalf of my boyfriend who is in a pretty bad situation. He currently 27 and is sitting on 102k in loans and doesnt have the ability to pay it. According to his math he has three loans 67,890 federal33,452 discover student 32,636 wells fargoThe discovery and wells fagro have gone to debt collection and the federal was on deferment but just told him he need to start paying again. 675 mo federal346 mo discoverwells fargo wants to get the full sum pay of 32kHe only makes 1760 a month and has 1180 in normal expenses200 electircal 300 HOA80 internet 300 car insurance for two cars200 food100 gasHis parents own his current two bedroom apartment and doesnt require and payments other than HOA and utility hes there with his brother who between him and his parents help with some bills. He wasnt able to get a degree. I dont know where to go with this and he is scared out of his mind and talking about bankruptcy.Any help is much appreciated Boyfriends account: zefty811Edit: We got him on income base repayment and budgeting his monthly expenses, Hes in a position that looks manageable thanks for your guys helpAssistant: Bankruptcy wont help him. He needs to get a better job. Also, WAT: 300 car insuranceHuman: A better job isnt really and option right now, and 300 for two cars his and his brothers  <response>: Why is he supporting his brother? It seems the utilities are not fairly distributed. 