Hi Tofu Stir Fry,

I was in a very similar situation like you.

If you want to keep your current job, I’m going to agree with Miniature Boddhisattva, and suggest for you to pick up a side gig/ weekend job.

I know this does not sound ideal but speaking from experience, it’s very doable.

Also, retail stores are starting to hire for the Christmas season. This should increase your chances of finding a weekend or part-time job to supplement your income.

BTW, not sure if you know this or not but this happened with me when it came to paying my student loans…you can call your lender and ask them to adjust it based on what you are making. I think there is some rule about student loans not being more than 10% or 15% of your income.

That may mean that you pay more interest on your student loans in the long run but it may allow you to direct more of your resources to paying off the higher interest credit card debts and or more resource directed for essentials like food and utilities.

Good luck!