<prompt> Human: Friend has college debt, apparently it has grown from 140 to 163,000. She had stress problems and quit to be a dog walker a few years ago and now has a small dog walking business, which makes her really happy but doesnt make much money. For 50k she can settle out 122k she took in private loans. Any suggestions on how she can get a loan or pay things off or what she should avoid?  <response>: Sounds like she needs a 2nd job. I doubt she will be able to get another loan of 50k when she already owes 122k. 