<prompt> Human: Hello, I am a senior in college. I will be graduating this December with a Bachelors degree in Food Business Management. I have my Associates in Culinary Arts. I just looked over all my loans and realized I might be in over my head. My parents took out the Direct Plus loans for my associates degree then cosigned for the rest. Where do I even start? Should I consolidate anything? I was planning on staying in the state I am in but honestly moving home might be better for a bit but I feel like that is taking a step back. I defiantly do not come from money and even my parents are having a hard time financially but have a plan in place to get back on track by the next couple years. I really only have to worry about groceries, rent, and small things if living on own. I have a job now where I make around 200-300 a weekend. I plan to work the other 5 days a week somewhere else after graduation and get a cheap room for rent in New York. Ideally hope to make around 2 thousands a month but I dont know if I can pull that off with rent and stuff then student loan payments which I imagine will be over a thousand a month in repayments. Like I dont regret anything I have done so far as life has been great and going well but this kind of makes me wish I went a different route. LoansDirect PLUS Loan for Parents - 26,776 7.2Direct PLUS Loan for Parents - 32,443 6.8SallieMae - 11,427.40 10SallieMae - 24,218.52 10.125SallieMae - 8,710.00 10 Direct Subsidized Loan - 3,500 4.7Direct Subsidized Loan - 2,249 4.7Direct Subsidized Loan - 4,500 4.3Direct Unsubsidized Loan - 2,138 4.3Direct Subsidized Loan - 4,500 3.8Direct Unsubsidized Loan - 2,054 3.8Direct Unsubsidized Loan - 5,134 3.8Direct Subsidized Loan - 2,750 3.8Direct Unsubsidized Loan - 1,008 3.8Direct Unsubsidized Loan - 2,520 3.8Edit: I should add I plan to live in Hudson Valley, not NYC. I clearly know I can not afford NYC.  <response>: Damn man. Idk how I can help you. Get on indeed and get that first job, and keep scaling up on the jobs till you are making decent money. You already got a fucking mortgage payment, so buy an RV and live in that shit like a homeless person for 7 years. 