<prompt> Human: Hello everyone. This is my first time posting to this sub and I just need some advice on what I can do to help my girlfriend get on track toward paying off the 130k she has in student debt right now.First off, she completed her undergrad in psychology from a reputable school last spring, but has been unable to find steady work since then due to personalfamily matters as well as a more competitive job market in the city shes from 5 hours from where we went to school together. Her ultimate goal is to become a physicians assistant, but she needs patient contact hours to go to PA school so she has been searching for medical assistantpersonal care technician jobs.She currently estimates her minimum payments will be around 1200month starting in February. Her loans look like this the loan codes are made up: She is waiting to hear back from some PCT jobs in the city where our school is and is planning to move back here soon staying at home isnt really an option anymore. Ive made a budget of what shed be looking at working two jobs MAPCT and another part-time gig and if she just works some lower-paying job with the same total hours until she gets the medical-related one, broken out here: I just need help figuring out what she can do to lower her monthly payments, how she should refinance and who with. I still have another year of school left before I can help her really put a dent in some of this yes, Im sure I want to do that. Not looking for advice in that department.We both know she has to do everything she can to maximize her income and minimize her expenses. I know this sucks and its going to take a TON of work to get out of, but Im just looking for some next steps on how I can help her make this any easier.Any help is greatly appreciated.  <response>: She should consider looking for any type of work. Psychology degrees are notorious for being the lowest yield major in higher education. I wouldnt pigeon hole herself with a specific career track before she is even working. 