<prompt> Human: This is the first post I have made in a long time. Here is my situation. I will try to make this as clear as I can. I went to school for five years and graduated with over 110k in debt. The debt was a combination of federal and private student loans with the lion share in private 70-30 split. I have extended the federal payments to the maximum length to make the payments as manageable as possible. The private lender told me I cannot do anything about it. After graduating I had a hard time finding a job so I went in to the world of fully commissioned sales making a very unstable 45k. I was able to barely make my monthly payment obligations to my lenders and still eat. Up until three months ago I was faithfully paying the devil that is Sallie Mae now navient. When the sales slowed down it forced me to go in to a three month deferment to navient which is ending next month. Today I started my new job as a technical recruiter that pays a salary of 40k plus commission of 500 per placement which would be about 5-6 months down the road before that happens. Also I am being forced to move out of my current living arrangement of 700 a month since my landlord decided to move back in to his house. I live in northern Virginia. 700 a month was a blessing. I made a mistake with my w-4 and did have the correct amount withheld. So I now owe the IRS and state about 1000. My debt to income does not allow for credit cards. Student loans: 1228Rent: 700 about to increasePhone:135Car plus insurance: 245Gas:50Food:300 Other stuff I am forgetting:100Current bank account is overdrawn. Any suggestions to help would be greatly appreciated. TL;DR I make 40k at a new job and have about 2700 in monthly expenses.  <response>: Can you rent a room inexpensively? Get a second job? Keep looking for a better paid first job?I am so sorry, it sounds as though you are in a world of hurt at the moment. These obstacles are not insurmountable, however. You can hack away at them over time. 