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The original was posted on /r/budgetwithbuckets by /u/BIGDAWGBUDDY69 on 2023-07-03 18:00:52+00:00.

I have about 80k in student loans. Half federal and half private. I make about 52K a year as a marketing associate. I graduated about a year and 6 months ago and have been paying the private loans since January of this year which has already been killing my bank account. I have other bills such as rent, car note, insurance and other bills that are inescapable. Now that the the federal loans are about to begin, I have no idea how I will be able to afford this. Does anyone have any ideas of what I should do? Any type of payment plans or programs that can help reduce or forgive parts? Maybe refinance? I really need some advice. Thank you everyone!