You can contact your student loan lenders and they can work out a repayment plan based on your income... that should help lower your monthly payment significantly, but then it will take longer to pay them off (and you'll pay more interest over time). Even if you file for bankruptcy, you cannot default on student loans, however if you have credit cards, car loans, or mortgages, you can default on all of those. Instead of filing out applications and submitting them (especially online) GO INTO the place of employment and talk to someone face to face. You are MUCH more likely to get a job that way. If you do this, be prepared to answer all kinds of questions, treat it as an on-the-spot interview so be prepared in the same way you would at an interview, dress up and bring your resume & cover letter with you. Make sure you can clearly describe how you would help them become more efficient and more profitable.