<prompt> Human: Hello all, I will be taking out my first loan from sallie mae. This loan is a 32k loan with an interest rate of 10.5. That means 6 months after I graduate I will owe 74k. Another issue is this is only for one term and I expect to spend 5 terms at the University. That puts me at about 350k debt with sallie mae. This all sounds terrible and it is terrible but the job I wish to acquire after graduation offers a student loan repayment assistance program, where I will basically say that I will continue to work for this agency and they will help me pay off my student loans. I am happy with this because my dream job is to work there and if I get the job then I wouldnt plan on leaving. Basically Im looking for information as to what I can do after I graduate if I dont get my dream job. My mother says that I can refinance my loans and get the monthly payment down from 2500 to 1500 and if that doesnt work I can also join the military and receive debt forgiveness by serving 4 years in the military which Im also okay with because I plan to serve my country one way or another. Are these options viable?military service and the refinance option and what other options would I have? All advice is appreciated and if you have any questions to get further details to better assist me I will answer them. Thank you again for your time helping me.  <response>: Youre ruining your life. You havent even looked into the options you listed or you would know they arent viable. Dont do this. It will destroy you. 