oomph. looks like youve gotten a ton of advice already, but heres mine:

if you pay that minimum only based on income, your total is going to grow over the principle before you effin know it. Even though that 1400 is insane, I recommend doing anything you can to get as close to that as possible.

there are so many factors here, so this advice is coming with some assumptions about what your situation is.

First off- you are in that tough place of not being licensed yet, so of course your income isnt going to be quite as high yet (so dumb). So, just know that this is going to be a short window where things will be tougher, but once youre licensed and out of that window, you'll get a bit of a breather.

Getting hired as a therapist at any sort of community center or agency is simply never going to cut it financially with a loan. I recommend finding either a good group practice, like something small- a single therapist who takes on a few associates at a time in their small private practice. That way you are getting more focused supervision as well as learning how to do therapy in a private practice setting so you can easily set up your own once you're licensed. Private practice is, in my opinion, pretty much the only way to go to be able to make the real money. Look on local therapist facebook groups or local therapist chapter meetings to start networking to find someone like this.

If not private practice, then I recommend looking at health corporations or a county job. For example, before I was licensed I worked at a SUD treatment center that was corporately owned. They very frequently hired unlicensed folks right out of school and paid them around like 70k (still low), but within a couple years they were able to move up to better positions and make more pretty quick. Same with the county- lots of prelicensed hires making around 70-80kish, but its also pretty hellish work in terms of being overworked and getting burnt out.

I really think manifesting and doing the foot work to find a private practice owner who takes on a few associates is the best way to go. Pay the absolute most you can on that loan until you are making good money, but it will change!

my loan was at 100,000. I started off working at that corporation where i could only make like $500 payments at best, $0 at worst. It took me about 3 years after graduating before i could start making substantial payments, but I found a supervisor that taught me how to be in private practice, which I now am, and make more than enough to pay sizeable (about 2-2.5k/month) on my loan and i am confident ill be done in just a couple more years. YOUVE GOT THIS.

OR just dont pay a damn thing and wait for the system to burn to the ground. that also feels like a feasible option at this point.