<prompt> Human: I have huge student loan debts. Over 170,000 in total. They have defaulted numerous times and there are nine in total. 4 in collections. 2 with another collection. 3 with sallie mae. Just had a background check done for a job I had after an interview. However, my credit is on Tier 3 and they did not give me the job. Tried to plead my case to no avail. This has happened three different times. I have a lot of job experience. However I cannot secure a decent paying job with benefits and whatnot because of this debt. Yet cant start paying it off without the job. A minimum wage job isnt going to cut it here. But might be my only option. Feeling overwhelmed and lost here. Any help would be appreciated. Edit:Wow. Lots of great advice. Got a bunch of calls to make tomorrow but at least I have a place to start. Thank you everyone.  <response>: Apply for income contingent repayment to get them rehabilitated within 6-9 months. Youll have to pay something for 9 months but any job should be able to support that payment, but then it will be based on your income which can be as low as 0 a month. 