So I was on income based repayment (IBR) plan paying $547 a month for my 135K in student loans (I know... I know...) and Sallie Mae just hit me with, nah we can't have you on IBR anymore we're putting you on the standard plan. It's some technicality bullshyt. Anyway they're putting me at over $1600 a month now. I literally cannot afford this. I got other bills, an apartment that is over 1K a month, bills, tons of medical costs, food, etc. They will literally bankrupt me in a few months.
What are my options here? They're just gonna garnish my wages if I don't pay. Do I just quit my job and declare bankruptcy so that they can't garnish shyt because I'll be making less money than I am now working some bullshyt job (that will actually pay me more because of the way percentages work and shyt)?
I'm going to talk to a financial planner and see just how fukked I am, but it is looking bad. Anybody else ever been in this situation? How can I solve this without completely ruining my credit and life (if at all).
Financial brehs, I need some advice
What are my options here? They're just gonna garnish my wages if I don't pay. Do I just quit my job and declare bankruptcy so that they can't garnish shyt because I'll be making less money than I am now working some bullshyt job (that will actually pay me more because of the way percentages work and shyt)?
I'm going to talk to a financial planner and see just how fukked I am, but it is looking bad. Anybody else ever been in this situation? How can I solve this without completely ruining my credit and life (if at all).
Financial brehs, I need some advice
, what degree did you get.
I didn't even know you could do this. I gotta look into it. Especially if I have to declare bankruptcy, change jobs, and lose my medical insurance.
Paying for an education isn't worth it. 
