<prompt> Human: Hey guys, Ive graduated 2 years ago with a 12k Private Student Loan and a 68k Federal Student Loan. Ive just recently landed a job with Google but not exactly in the field Ive wanted -I graduated with a BS in Computer Science-. I live in Silicon Valley and needless to say I do not get paid enough to live with ease day by day. Right now I make about 2500 monthly after taxes, again though I live in Silicon Valley so in turn rent is a nightmare. Splitting rent with roommates Im still paying 1700 monthly. Car Insurance is 90 Gas is 80 - 100 Because of long commutes still Food 100 Student Private Loan 140 Personal Loan Debt 240 Phone 50 Now all this Im left with 180. Yes still very doable, but I havent been able to pay my IDR for student loans for quite some time because I was either unemployed for a good portion or based on my new income they want 230 monthly which I dont have. Im trying to find a new place with even farther commute for hopefully cheaper but in the end longer commutes is going to run down my already run down car which in turn makes me spend more for maintenance. Public transportation is doable but for monthly transportation like Caltrain to work itll run me about 150 to 200 a month still. With all this in mind I cant even save up for a house. In all honesty Im just extremely lost on how I can manage ever repaying off my debt or live a normal life. I want to move out of California for cheaper rent but I cant even afford to do that.  <response>: Your cost of living is killing your ability to pay debt. No lie, you dont make enough to live there youre RENTING for over 60 incomeBest advice is to move or get a higher paying job if you ever want to make headway paying down that debt. 