<prompt> Human: 160k in student loans, 15k of that is federal govtfederal loans are deferred until April, a couple subsidized loans under the private lender Sallie Mae are in forbearancebreakdown of the private loans currently in repayment:36,237.52 - 5.7538,111.35 - 9.7529,813.02 - 9.881,474.62 - 13.1329,756.54 - 13.38currently my min monthly payment which is interest only is about 1,180graduated in 2010. useless liberal arts degree. I work in IT, 12 hour, 40hrs week. I feel pretty screwed and have been contemplating fleeing the country or offing myself. my credit is already shot because Ive missed payments.options? death?please, no comments calling me an idiot or expressing surprise. Im perfectly intelligent, was misinformed when I went to college a year early. I promise Im beating myself up enough  <response>: 1. Save 80,0002. Put it on black. 