<prompt> Human: I recently graduated and my grace period is nearing its end and about 45k in loans. I have a job making around 16k a year. When consolidating my loans I was told the lowest possible payment option is 150 a month and it will rise to about 600 by my last payment in 10 years. The income based option is ridiculous because in interest alone I would be paying more than double the original taken out, so that is not an option for me. I have a daughter to take care of so I already live on a very tight budget as is and her father is in school while working as a waiter to get by. Does anyone know what I can do to afford my payments? Side note: A second and third job is out of the question because then I would have to pay for childcare and I dont qualify for any type of assistance because I make too much money Every cent I make is going towards the necessities of life.  <response>: Why the fuck did you go to college to get a degree where you make minimum wage? You need to be looking for a new job. Get your resume together. 