<prompt> Human: Edit: I forgot to post that my parents bought me a car but I pay 410 a month on that as well. I am a grad student, so Im afraid I cant take on another job. PS. Sallie Mae is kicking my ass. They initially asked for 1500month but I couldnt pay that so I used up all my forebearance. Now they asked for 1600month. Settled with them. Paid 3 loans at a lower monthly for two months to avoid delinquency and Im now paying the other three just until January for about 380. Assistant: Welcome to regular, real, live-on-a-budget life. This is the way things are. You take home 2k per month, strive to make your spending add up to no more than 1,700 and bank the rest. That doesnt sound impossible from what youve said. Human: I forgot to add in that I pay 410 a month for my car. Assistant: Can you get it refinanced? Thats a bit spendy for a car.Human: Unfortunately, its under my parents name until I pay everything off and they dont want to refinance. Assistant: So youre paying for their car that they let you use, essentially?Human: Yep. And it was a birthday gift...  <response>: No offense, but that is a terrible birthday gift. And how is it a gift when you have to pay about 5K per year meanwhile also increasing your parents credit score? Seems like it is a gift for them, not for you. 