<prompt> Human: Check out my life situation and please, rather than say, Wow. Thats bad, tell me what I can do. Ill feel better if I have an action, plan, maybe.Im 32 years old. I am a single parent. I had my daughter in the middle of a semester in undergrad and went back the next week. Ive juggled parenthood and schoolgrad school since 2005 when she was born, and Ive been racking up the student loans every step of the way. I didnt mind racking up the loans because I was going for my Ph.D. and knew my salary would be good one day.I got two masters degrees along the way. So, were looking at 7-8 years 14-16 semesters worth of loans. I dont even know what the total is. I would estimate it to be 100k, but I dont know. I dont even know how I go about finding out the total, because Ive used different lenders.I was in year four of a six-year Ph.D. program and I took a one-year leave of absence beginning in February. My two masters degrees havent gotten me shit, and out of desperation, I finally took a 15hr temp job last month. I have no health insurance.I bring home about 540 a week.My rent is 1250 a month soon to be split in half, as Im engaged.What. The. Fuck. Do. I. Do. I currently have about 4000 to my name, and dwindling FAST. Also, now that Im out of school, my student loan repayment begins in June. Holy fuck.I am so scared.I dont know if Ill be able to complete the Ph.D. Im slated to go back in January, but Im not very popular in the department and Im not sure the profs are going to let me pass a very subjective quals exam. Lets face it, I may not be smart enough. My life has been a series of fucking bad decisions. Just...please help me. How in the hell do I get out of this? My fiance and I just saw each others bank accounts for the first time - he has 19k in checking, and I have 1.5 in checking and 2.5 in savings.I am very, very unfamiliar with most things financial. Thanks in advance for your help.EDITPer request, Ive updated my loan info. Oh sweet Jesus.Loans from Fedloan Servicing:1. Direct Unsub Stafford Loan. Balance 3551. IR 6.8. Unsure of minimum payment for these.2. Direct Unsub Stafford Loan. Balance 3000. IR 6.83. Direct Sub Stafford Loan. Balance 8500. IR 6.8.4. Direct Unsub Stafford Loan. Balance 1500. IR 6.8.5. Direct Sub Stafford Loan. Balance 8500. IR 6.86. Direct Unsub Stafford Loan. Balance 7500. IR 6.8Loans from MOHELA these are older:1. Subsidized Federal Consolidation Loan. Balance 11461. IR 6.625. Minimum payment 89.01.2. Stafford Subsidized. Balance 8500. IR 6.8. Minimum payment 97.48.3. Stafford Unsubsidized. Balance 8246. IR 6.8. Minimum payment 131.61.4. Stafford Unsubsidized. Balance 3754. IR 6.8. Minimum payment 58.24.5. Stafford Subsidized. Balance 8500. IR 6.8. Minimum payment 97.48.6. Stafford Unsubsidized. Balance 12000. IR 6.8. Minimum payment 181.93.7. Unsubsidized Federal Consolidation Loan. Balance 11766. IR 6.625. Minimum payment 124.73.8. Federal PLUS Loan for GraduateProfessional Students. Balance 4776. IR 8.5. Minimum payment 80.83.Total: About 101k in student loans, with two lenders. No idea how best to approach these...  <response>: A clinical psych Ph.D. is hardly going to make you a good salary unless you decide to go the forensic hospital or V.A. route. I should know... Im attending my hooding ceremony for the same degree next Thursday. Assuming a 2000 hour work year, I made 13.20hr before taxes on my internship, and will be making 15.60hr before taxes during my post-doc. Rolling in the dough I am.Seriously consider not completing your Ph.D., especially if you do not have a burning passion for clinical work. Masters degrees in clinical psych are not completely useless - Ive worked in university settings a fair bit and many Student Affairs positions as well as positions involving career counseling or academic advising require a masters degree in psychology. is a great place to look specifically for positions in higher education. Often, one of the great perks of working at a university is that your children may have the option of attending that university for free. FREE! although some schools may have you pay taxes on the tuition This is where you can break the generational cycle of poor money management.Masters degrees in Psychology are also very helpful in research settings as they often oversee coordination, implementation, and recruitment in research labs. Ive seen salaries as high as 50k for such positions, and assuming you have a solid research background, I imagine you would be competitive for these positions. 