<prompt> Human: Using someones throwaway because I dont browse reddit - thank you.I have around 40k in Federal student loans that are currently on deferment. I also have 32k in private student loans that I cannot afford. Shortest version of my story is I followed my gf at the time to a different school, and needed to take out a loan to go. I got a private loan that we were supposed to pay off together as naive and youngish lovebirds, but shes since left the picture.On top of that, I have about 9k in credit card debt from 3 different cards. I make roughly 25k annually, and literally just started out of college for less than a year.Im looking into applying for a better paying position, but thats the gist of it.I talked to Freedom Debt Relief, and they wanted me to go even more default on every loan, crash my credit score even more mid 660ish, a huge drop from 720 last year when I was paying everything on time, and essentially still pay what I pay now. So that was a no go. About to talk to AmOne, a personal loan company from Prosper. Basically, aside from getting a second job, getting a better one both of which Im looking into, how screwed am I?Just kidding, I know Im screwed. I just want to know what you suggest me to do. The credit cards will take time, but I know I can chip away. The 32k student loan is around 550month, and thats a big chunk of what I make so I cant afford that, and thats my biggest headache.They wont let me reconsolidate because Im a cash cow, and no one else wants to lend me money because Im a 660 credit score with a ton of debt...Dont worry about being gentle - Im here for truth.edit: The amount of responses is slightly overwhelming, but definitely completely appreciated. I will respond when I can answer more thoroughly currently at work.  <response>: 1. Get second job.2. See 1 