<prompt> Human: I am currently working contracting with an industrial reality company making roughly 3 grand a month. I have no savings. Rent for 500 a month. I have a vehicle In my name making up 27k of my debt. That will be sold as soon as possible unless someone has a trick that could help me keep it. Other than that nothing in my name. Most of my debt is student loans both private 48k and federal 37k. 5k in debt chalked up to stupid purchases and Cards. I graduated with a Psychology degree and need to achieve a graduate degree in order to pursue my goal of being some form of therapist. What kind of actions do I need to take? Edit: Graduated in December. loan repayment begins in June. Will not be able to contract while in School.  <response>: As a therapist, you wouldnt even be able to service the debt you already have. You need to work backwards from an actual job that makes money.You have 3x the average debt of a US college grad. That choice has limited your choices.You need a second job. With 117K in debt, you dont get days off. 