<prompt> Human: Youve all already heard all of the excuses that come with student loans and poor financial decisions in general. Ill spare everyone that story. Here are the numbers. Income: 1080week take home Student loans: Sallie Mae 1 - 7k - 9.75 - 93 Sallie Mae 2 - 23k - 9.75 - 243 Sallie Mae 3 - 27k - 9.75 - 295 Federal loans - 74k - 7 - 500 graduated plan Everything else: Rent 750 Car - 23k - 4 - 415 Car2 - 16k - 9 - 367 Personal loan - 1.8k - 0 - 200 Car ins - 165 Rv loan - 4.5k - 13 - 165 Phones - 120 Utilities - 215 CCs - 200 Gas - 280 Total - 4008, not including groceries Income monthly is 4320 or so. Total of two adults, a dog, and three cats to keep alive. Im putting 6 in to 401k, which is 100 matched. Otherwise no savings, obviously. So, Im having a heart attack. The student loans come due next month. Right now there is unlimited overtime at work but I cant spend all day here as Im the only one who works and my wife sometimes needs my assistance for medical reasons. Right now Im working about an extra ten hours a week, but I didnt include that as its variable. My plan right now is to pay off the credit cards to free up some dollars monthly, and then pay off that personal loan, as even though its 0 from a family member, it is a large payment but not a lot of principal. I also want to sell that rv if I can and Id get rid of that second car if I could but Im under it by about 4k I feel sufficiently awful about being such an idiot with money up until now. Feel free to meet me know at length how stupid I am though, as I deserve it. Ive thought about just foregoing paying the student loans indefinitely and let then ruin my credit, as I dont need credit for anything. I know they would garnish my wages but last time that happened it was at a maximum of 10 of my pay. Cant even file for bankruptcy on the other stuff as I already went bankrupt back in 2012 due to having no job. I finally found a good paying job, went overboard as I finally had money for the first time in my life, and now I feel like Ive ruined not only my life, but that of my wife and potential children. Is there any hope?  <response>: 9 for a car loan? refinance that to a lower rate asap if you can... If you cant, you may want to consider selling a car and using that money to buy a used car. Use any extra cash to pay off either the RV payment or the personal loan. Dump the rest in to cover as much of the car loan as you can.This frees up 200 a month..Call up sallie mae follow this guidance: See if you can refinance to a lower rate on your student loans. 