<prompt> Human: Please no insensitive comments. I know my student loan tab is a lot, and is mostly private loans formerly Sallie Mae, now they are Navient. Basic background is that during school I covered my tuition with student loans because I was informed that all even private loans could be repayed via income based plans. After graduating I learned that was wrong.Ive been out of college for 8 years. During my first year I was nearly unemployed and used forebearances for my loans. Im pretty sure I dont have any private loan forebearances left anymore. After I got a job, I was able to get Sallie Mae to put me on an lower monthly payment what would have been 1200 a month turned into 500. I paid that for two years or so.Then, I entered back into school for teaching certification and a masters. I am finishing up my masters in May and am currently employed full time as a teacher. My plan was to defer the loans by taking classes until I reached the pay scale I needed to pay my monthly payment which is 2 or 3 years down the road, I planned to still live meagerly so I could pay them off ASAP.However, I was just informed that my deferment has a 48 month limit which is over and my first payment is due in 0122. I make 2,041 month after taxes and my loan payment is 1,833. As I see it I have four options:1. Try to set up a payment plan like the one I had earlier. If I pay around 500, however, that means I will be living paycheck to paycheck and ALSO not doing anything social. Any entertainment budget will be cut out, I will literally be going to work and coming home. It will also mean Im not saving any money for possible emergencies. I have a hard time mentally digesting this but I know it may be necessary. 2. Ive heard about consolidating loans and have no idea of how that works. Again, I could manage about 500month but really need that number to be lower at least for a few years. I like this option a little more because it would be a consistent payment amount, as compared to Navient where Ill need to convince them every few months.3. Pay them a smaller amount 500 or less a month and put up with calls. Is it true that if you pay a smaller amount every month they may be angry but they cant do anything drastic garnishing wages? 4. Ignore it and allow them to list me as delinquent in 270 Days garnish my wages how ever long after again, 25 of wage garnishment for me would be about 510 currently. In short, I need help fast. I need to figure something out before this bill is due and Im already mentally shutting down under worry and stress.Edit: TLDRmy private student loan payment is the same amount I make each month and I dont know what to do.  <response>: so youre a teacher, do online tutoring. SAT tutors can get up to 200hour. 