u/AcanthocephalaDue624

crunched the numbers with the bank and if i paid my debts in full, i would have $100 dollars left to live off of every month.

thankfully i've been in master's school and have been able to put them on forbearance but they're active now and but i only make 60k per year. my parents and i used to share the load, but fancy cars became more important.

i'm refinancing to get a longer term and longer grace period until i can get a higher paying job and hopefully be able to pay but does anyone know any other ways i can get relief and stabilize my credit score in the meantime?

update: these loans are private