<prompt> Human: Howdy guys. I graduated back in May and got married in July. I have loans from FAFSA and SallieMae. However, the grace period for both end rather soon; next month, I believe. The issue is, is that the minimum due for each individual loan I took for each semester is ludicrously high. Because I switched colleges, i had to go through SM and I have 5 loans each with a 200 minimum payment. Then FAFSA is X-amount every month too. Thats negligible considering I have a grand to pay monthly! What should I do? I cannot afford minimum payments that high. I called and asked if they could lump it into one loan for me to pay off, but they said they wouldnt.  <response>: Increase your income, decrease your expenses. For your federal loans sign up for a income-based repayment plan. 