<prompt> Human: Unfortunately, the title couldnt be further from the truth.Basically, I am going to give you all a quick breakdown of my situation and plead for recommendations on whether I should pursue loan consolidation with a bank or not. I have a lot of student loan debt from NJ Class. It doesnt matter whyhow I got it. That I cant change. However, there has to be a better way. I just recently accepted a job in my field how fucking rare, right? making 32,000 a year. It is a great job with a lot of promotion potential and is a secure position. However, in the meantime I simply cannot afford 814mo, especially after having to move across the country, get an apartment, and get a new car, all while making only 2,000 a month. Again, the new job will be worth it in the long run as I will receive at least 4kyear raise and there is very high promotion potential. Here is a breakdown of my loans with NJ Class private loanLoan 1: 17,042.18 outstanding principle with a 7.59 interest rateLoan 2: 25,134.42 principle, 8 interest rateLoan 3: 19,539.44 principle, 7.05 interest rateLoan 4: 19,309.65 principle, 6.65 interest rateThat leaves me with a total balance of 81,351.49 owed to NJClass.I also have Federal student loans 23,000 that amounts to a monthly payment of 300.I simply cannot afford a monthly payment of 1100 to just student loans. Thats over 50 of my income.Based on everything here, I beg for recommendations about whether I should consolidate or not. I love the idea of paying off my loans in only 10 years, but I am wondering if a 15 year or 20 year consolidation with a bank will benefit me enough in the short term to make it worth it. One additional question: How can it be that when I check the breakdown of the amounts paid to my principle and interest each month, that its usually 60 going to interest and 40 going to the principle? Are the loans backloaded so that most of the money goes to interest in the beginning?Thank you all so much in advance!  <response>: Youre not going to like this, but you need a part-time job in addition to your full time job. I graduated with 66k in student loans many years ago, and a similar salary and the only way I dug myself out still digging thanks to SLs from DH too was to take a part-time job, plus some occasional freelance work. With that level of debt more income is the only thing thats going to help you. Also, why a new car? With that much debt and that low an income it seems like you cant afford more than a beater at this point in life. 