<prompt> Human: I am approaching 28 years old. I made a terrible decision to return to school and I was completely sideswiped by life. I was 30,000 in debt, but I wracked up 45,000 additional to change careers to something that is no longer possible.As for employability, I am an EMT, worked 1.5 years as a loan officer, I am bilingual SpanishEnglish, and Im open for about anything. I left a masters program due to mental health lame, but mania is real when your life falls apart. I have options. 1 Swallow my pride and return to the hospital I worked at while living at home, they will pay for me to return to school I wont be happy there though2 Move in with my brother in San Diego and get things rolling while transferring credits to an MS in Health and safety cheap tuition while working as a paramedic.TL;DR - becoming a physician blew up in my face and I wasted a hell of a lot of time and money. I need to reroute.  <response>: Sounds like you want option 2. Private loans you have to pay back and they can fuck you. But your Federal loans can be consolidated and signed up for income based repayment. Those get forgiven after 25 years and the remainder counts as income pay taxes on it. Public Service forgiveness happens at 10 years apply after one year to stay grandfathered in their system and the remainder is not counted as income, so if you go the EMT route, make sure its for a public hospital 