<prompt> Human: Hello, my name is Stu. This is my first time ever posting with reddit. I am 22 and a recent graduate from UVM. In order to pay my out-of-state tuition, my father took out Parent Plus loans. This is where most of my student debt resides. These are federal loans in my dads name, adding up to about 125,000. The rest are in my name. Those in my name are much easier to manage because they reflect my income less than 20,000 a year and my qualification for forgiveness plans. Those in my fathers name reflect his income about 50,000 a yr. Because of his moderate income, no matter how we seem to refinance, we are expected to pay about 1000mo for around 25 years. This is an impossible burden. I feel less prepared for my life with this debt than I did before I started college.Student loans cannot be discharged through normal bankruptcy, and I cannot find a group willing to refinance all the loans into my name. So far, the best option Ive come across is Obamas Loan Contingency Plan. I spoke with coordinators for this plan that believe we could reduce all the loans down to about 120 payments 10 years of 700mo because my father works for a non-profit hospital. The outstanding debt after that time would be forgiven. Although this is slightly better, it is still unnerving to know Ill be personally paying, maybe at the very best, 350mo for 10 years. If anyone can offer advice on how to manage Parent Plus loans, I would greatly appreciate it. I just want my life back.  <response>: Take the reduction deal and for Gods sake use your 6 figure degree to get a better job. 