<prompt> Human: I have almost 60K in Navient formerly Sallie Mae private student loans. They currently want roughly 65 of my monthly paycheck. When all is said and done and bills are paid I have 20 left over. Navient refers to this as expendable income and are unable to work with me to lower monthly payments. At this rate I will never be able to pay off my credit cardonly make minimum payment each month Im getting married so saving for anything to do with that is hopeless... And God forbid if I break my arm or crash my car I wont have any money saved to take care of the costs. I have no idea what to do but consolidate my Navient loans somewhere else... What should I do?  <response>: Unfortunately, this is one of those situations where the only solution other than defaulting is to increase your income. Look at getting a part time job over the weekends. Waiting tables, bartending, working at a box store. Right now, you are only making 11hour. You didnt get a bachelors degree to make 11hour. Look for other jobs that pay more money. It isnt easy, but it is what you must do. 