<prompt> Human: Welp. The summer before my junior year of college I had a falling out with my parents. I couldnt find anyone to co-sign my loan until the last possible day when my boyfriends stepfather offered to sign. I pushed back, but in ended up accepting their offer. Fast forward 6 years. I have a BA in Journalism and have had steady work and marketable skills. The boyfriend and I broke up but are still good friends, his mother divorced the stepfather, and hes now on a slow decline into inevitable death. Its a waiting game, his condition has no improvement and no cure. The total I owe the NJ Class Loan company is 61k, with 16k of it being the loan the stepfather signed for. I am in a position where I am leaving my job to pursue other things, but dont have anything concrete yet. My employment ends mid July. Yes its dumb to leave without a job lined up, but the situation is unavoidable. Ill have around 1,500 in savings by then. Ill be moving back home and wont have rent to pay, but also have a phone bill, car insurance, and 5,000 in credit card debt that I have been paying down. I have health insurance thanks to my parents until the end of the year when Obamas grace is up.Since my loan is private, they dont offer any income based payment plans. I called to ask what my options are, and was told I could switch to a quarterly payment of 900 and a monthly 70. How am I supposed to pay this if I have no income? They also have a loan consolidation plan, but it would make the payment time 30 years instead of 20. What does that mean for the interest, and monthly amount? As it is, Ive been paying 648 a month to NJ Class and 235 a month to my federal loans. The total student loan debt I have is around 91k.Im not using this as an excuse, but I have a math learning disorder Dyscalculia and its really difficult for me to understand math concepts. Please dont belittle me or call me dumb, Im already in an anxious state and need actual advice. The job hunt has been OK, but Ive left the field of journalism and dont know what I should be doing next...so thats another story. Ive been working as an office manager for the past 2 years trying to figure out my next step and the environment is not fitting. Im very unhappy in this job. When a cosigner dies, does the responsibility stay on me or does an estate take it over? I dont know if the stepdads family knows about this...nor have I spoken to the stepfather in years. Im really concerned over what this means and what the estate is capable of.  <response>: Ive been working as an office manager for the past 2 years trying to figure out my next step and the environment is not fitting. Im very unhappy in this job.Youll be even unhappier living on the street. Find another job before leaving this one. Thats really your only option. 