<prompt> Human: Evening everyone.I have a bit of a nightmare student loan situation.Approx 16k federal, 100k private. Yes private. And I know. Luckily, my IBR for federal is fantastic and affordable.As well know private is much less forgiving. However, a stroke of luck and me constantly being in communication about my account and loan has earned me some flexibility with LendKey. My payment is now coming due, and the payment plan is putting me at 1300 a month minimumWife and I have adjusted our budgets, bought a house that actually reduces our housing expense by 400mo, and drive two POS cars that I personally repair.We forego vacations for ourselves and two children, dont splurge on anything except for Christmas and birthdays of our children, and generally live pretty damn close to paycheck to paycheck.We are very slowly building a savings, more like a trickle.What are my options to make the repayment actually doable? Obviously increasing income, but lets assume our income is not going to change.For at least the next 4 years or so, my wife will continue not to work as it made more sense financially for her to stay home than work literally to pay for daycare.I make 65kyr, can expect a 2-5 increase per year, 5 into 401k. I do side gigs and stuff totally maybe 5kyear extra. Do I attempt the impossible and try for a bankruptcy? Do I refi the private loans for a longer term somehow?Starting to panic as Im going to assume Lendkey is not going to be so understanding much longer.Thanks a ton for ideas!  <response>: Saw your wife has an Accounting degree. Perhaps she can look into remotepart time bookkeeping as a small income stream to help out. Bankruptcy wont help you one bit as you didnt list any consumer debt CCs, medical besides your house and student loans are almost impossible to discharge via bankruptcy. Just going to have to cut costs andor increase income. Every spare dime should go to the private loans as those are just utterly terrible. 