<prompt> Human: So I owe Sallie Mae roughly 115k in student loans. I owe them about 1300 a month for the next 10 years. I can not continue to make these payments because I strait up cant afford it. Every time I call them they tell me one thing and then another thing happens... they told me my next payment wasnt due until December 14th but they tried the pull the payments out on 1116 and my bank account is currently -427. Has anyone had experience with consolidating these loans and any type of success or am I just a slave to this company for the next 10 years?Assistant: Personal finance is like 99 behavior and 1 Math. You left a couple important figures things out from the post. What are you current making a month take home? What are your total monthly expenses? Do you have a budget in place? Have you tried to cut unnecessary expense? Netflix, Gym, Eating Out, Vacations etc.Human: I do contracted work so I can vary from 0-4k a month. I live with my parents and dont pay rent but pay for everything else I do... I dont have Netflix, nor do I work out nor have I been on a vacation since before college  <response>: Making 0-4k a month doesnt seem super steady. Based on your figures of 115k at 9 each year you are close to payingincurring 10k of interest. I would try and focus on putting everything toward these student loans and look at getting a stead job andor getting a second job doing something. You are being eaten alive with these loans and dont have an income to justify the loans of 115k. It doesnt help that your dad cosigned the loans. Even if you dont pay or default they will still go after him to pay the loan. This could strain your relationship with him. 