<prompt> Human: 30-years-old. In college I took out too many loans, and also ran up credit card debt. I have both federal and private loans. I had my federal loans on forbearance as I could not afford to pay them, but just recieved notice that the forbearance was ending and on October 21st, I would owe nearly 700. The notice also stated: Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was 5,267.01. Federal Loan total: 66,989.09Break downTypeInterest RateOutstanding BalanceStafford2.3203,663.07Stafford2.3204,778.07 Stafford2.3204,583.69Stafford 6.8009,374.20Subsidized3.4005,717.62Subsidized6.8008,439.72Subsidized3.4002,352.84Subsidized6.8003,873.85Subsidized 4.5003,711.76Subsidized6.8008,137.16Subsidized5.6003,763.54 Subsidized6.8008,522.56 Private Loan Total: 33,325.16Break downTypeInterest RateOutstanding BalanceUnderGrad Loan4.25011,496.80UnderGrad Loan11.1259,654.65UnderGrad Loan11.1256,056.04UnderGrad Loan9.1256,117.67 Capital One Debt: 1,500 24.9 APRIve been paying the minimum on this since I was nineteen. At this rate itll take me another ten years, and thousands of dollars, to pay this off. Something has to change. Paypal Credit Debt: 730 26.99 APRMinimum payments here as well, this would take me two years to pay off if that continued.Total Debt: 102, 544Monthly ExpensesRent: 800Student Loan Payments combined beginning in October: 1,083.71MetroCard: 112CC payments combined: 90Insurance: 89 Total: 2,174.71Monthly IncomeJob 1: 1,720Job 2: 500 Total: 2,220. Disposable Income: 45.29I live in NYC where things are very expensive. Im currently angling to get more hours at my jobs. The only reason my rent is so cheap is that I live with my partner who kindly pays much, much more than I do, due to my current financial circumstances.I am at a complete loss as to how to handle this debt. I only know I have mishandled it for years by ignoring it, making it significantly worse. Any and all advice would be appreciated. At this rate I will never be able to own a home, have a family, or dig myself out. My job has the potential for higher income, but not for several more years. I tried to be thorough here, please let me know if Ive left anything out.Assistant: At the risk of stating the obvious, your problem is not your debt but your income... you ran up 100k of student loans but did not get a job commensurate with what you spent. No idea how you live in NYC on what sounds like about 35k.You need to focus on making more money, either move up where you are or get another job. I dont think youll ever be comfortable with the debt until you start making more money.Human: Im working two jobs and trying to get more hours. Of course I know that income is an issue, but debt is the problem. If I wasnt in debt, then the income would be fine for now.As far as living in NYC, I grocery shopmeal planbudget and dont go out much. Unfortunately this also means there isnt a lot more budgeting down I can do to be smarter with my money. Ive been broke for ten years, you get used to it.Ive been at my current job for a year and the business is expanding. It takes time but Im hoping by this time next year Ill be making 50 more than I am making now. Its not a lot, but could continue upward as a trend.I did not get a job that has to do with my degrees. I made mistakes.  <response>: What are your degrees in, out of curiosity? 