<prompt> Human: Went to law school in 2007. Economy, and legal market with it, tanked it 2008. Instead of making 100,000 annually, Im making 50,000. I have 148,000 in student loan debts, with interest rates from 5-13. My current monthly payments are around 1500. Rent is 850. 3,000 in credit card debt. 16,000 car loan. 5,000 personal loan to pay for wedding. Other normal expenses. Newly pregnant wife works for Headstart as a preschool teacher for underprivileged kids. Makes 9.50 an hour for 9 months of the year. Has about 1200 left on a student loan. I called MOHELA, my government loan servicer, tonight to explore my options. None were good. Im currently paying 633 a month on the federal loans. On a graduated plan my monthly payment will increase every 2 years goes to 850 in 2014. I will be done paying this loan in 2021 if I keep going according to the current plan. The representive I spoke with tonight said the best she could do was offer me a graduated repayment plan starting at 500 per month, but the repayment term would be extended to 300 more months v. 101 more payments right now.Im basically just trying to survive at this point. What do I do?  <response>: Look its really not that bad...Wife has to find a better job, period. I could care less what her dreams are or if she loves her job. When she interviews she will not reveal she is pregnant. Sell the car and buy a cheaper one. Pay off CCPay off her SLAn easy way to make some cash on the weekends in being a valet. They are always looking for people for big events. I use to make a decent amount of cash and the best part is you no longer need to hit the gym! Its all about cash flow, paying off those smaller debts will make your life measurably better. The good news is as law school enrollment is way down and will be way down for years to come your pay should increase over time. I use to work with a lot of attorneys, the best ones practiced open door law..What ever walked in the door they handled. They have their fingers in so many different businesses from civil, criminal, real estate, foreclosure mitigation, credit repair, BK, insurance adjustment etc... Dont stick to one area of the law.. A lot of these such as BK and credit repair a monkey could do. 