<prompt> Human: Hey, My wife told me tonight that shes leaving me and weve agreed to dissolve the marriage. She agreed to give me 3 months to put aside what I can to be prepared since I just spent all my savings fixing my car and outfitting our new apartment - we just moved in a month ago. She has a place to go rent-free her father, but I do not. She says shes fine with breaking the lease, but what are the ramifications of this? My credit is bad right now, 566. It was lower, but its gone up a little since I found a small credit card Ive been paying down very regularly. I make 15hour working 9-5 m-f. Rent is 420, and I cook all my meals, but since im on a special diet Im diabetic it tends to be more expensive. I have student loans at 300 a month, Internet at 90 a month I think Ill change this to a lower plan and I pay for services such as Netflix, Amazon Prime, and a gym membership. There is a bunch of tax debt in our name I filed it, so I guess its on mine? amounting to over 1000. A cell phone debt in my name that is hers 300. And I have personal debt amounting to around 10k, in addition to 55k in student loan debt. This relationship lasted 10 years and this all has come suddenly. I really dont know how to be on my own and I only have 3 months to figure it out, so any help would be immensely appreciated. Assistant: Sorry about your wife leaving. You have too much school debt to only be making 15 per hour - is there a story there?Human: I was dumb with my schooling and did not know what I wanted to do, and wasted a lot of time and debt in trying to figure that out. I found what I want to do, but its in a field thats underpaid. Im a social worker. Assistant: Well props on finding a field that matters. Many of us cant say the same.Is there any opportunity for overtime? Or perhaps a second job? Even waiting tables 1 or 2 shifts a week could bring in some decent extra cash. Good luck to you internet stranger.Human: The overtime opportunities are sparse and unreliable. I may consider a secondaryweekend job. Thank you. Assistant: Is there debt forgiveness for social workers at all? Human: Yeah, I looked into it and theres debt forgiveness after making 120 qualifying payments while employed full time. So I dont know what that means practically, but theres a small ray of hope lolAssistant: Yep, essentially it means after making 10 years of payments 120 full payments on a repayment plan while full-time employed for the government or a 501c3 non-profit during that time, youre eligible to have your federal student loans completely forgiven: Its a bit complicated, but if you are close to meeting the requirements, I would absolutely look into it.Human: I started this job last February. I did work for another non-profit for 3 years, but I doubt Im close to that 10 year mark if its even allowed to be non-consecutive. But Ill definitely look into it.  <response>: Your 120 qualifying monthly payments do not need to be consecutive. For example, if you have a period of employment with a nonqualifying employer, you will not lose credit for prior qualifying payments you made.It sounds like youre still several years off anyway. But if you plan on staying in the field, definitely take advantage of it. However, you may want to look now into consolidating loans to make sure they qualify as the right type of federal loans. And, as others have mentioned, you can try to get your income-based payments lowered now since your joint income is changing. 