<prompt> Human: I currently make 52,500yr as a Front End Web Developer in Pennsylvania. I have 120k in student loan debt. I know, its a lotAll but my Wells Fargo Loans are federal. What can I do? Here are my loans broken downI am currently paying up to 1400month just for student loans. Will consolidation or refinancing help?My credit score is about 720.Thanks to anyone who has any advice!  <response>: There is no magic here: make more money andor spend less money. If you want help with that youll have to post a budget. 