<prompt> Human: edit: Please note that I am posting this on behalf of my veterinarian girlfriend. Thank you. Everything is exactly her words.35 years old, single, female, Denver, COI currently make 65Kyear and Im struggling to stay afloat financially. I currently bring in 3732month but my monthly expenses are greater than what I make.Current monthly expenses: Rent - 1480 Student loans _ 507 Starting in the spring, my student loans will go up from 507 to 950 total student loan debt 485,886 Health insurance - 370 Food - 300 Car insurance - 120 Credit card - 119 total on card - 4474 - Phone - 60 Cableinternet - 94 Dentaldisabilityrenters insurance - 129 NetflixHuluSpotify - 29 Gym - 20 Gas - 100So my student loans are about 450K total. I also have 4500 on my credit card. My monthly expenses are 4278 and my monthly income is 3732.What can I do to stay afloat? I am drowning financially and am in desperate need of help. Thank you for your time and insight.  <response>: So to summarize: You have 12 million in loans. You work close to 60 hours per week. Your job doesnt provide health insurance. You live in a high cost of living area.Ok, sorry to say but its time to wake up and smell the coffee. You need to find a new job asap. Like put your CV in to every vet recruiter in the country. Take the position that offers the highest income with the best benefits and ideally in a low cost of living region.If you ever want to retire and pay off that loan you really need a new job. No amount of cutting back on your expenses is going to achieve this. Considering the time and money you put into your education you are not working right now, you are doing volunteer work. You cant afford to be a volunteer right now. 