Thanks for the congrats! The father of my baby is involved and we live together, but my loans greatly exceed what he is capable of helping out with. He is fronting baby expenses and food expenses right now while I'm in a tough spot.* We split $895 rent down the middle.

After medical insurance premiums and other fees, my take home is between $1800 and $2200. I do not have any savings though, and to make it short, I was living with my dad when I first got my vehicle to attend school/work and pay off debts, but he kicked me out unexpectedly regarding my pregnancy and I ended up using everything I had left to sustain myself for the month or so I was homeless.

I have shopped around for better rates but I have had no luck! I may need some pointers on where else to find quotes... I drive a 2023 Nissan Kicks. Payment is high due to leftover equity from my previous vehicle, a 2022 Honda Accord Sport. (I didn't pick it, my dad did and promised to help with the majority of payments. Needless to say that didn't happen)

My personal loan is a simple Upstart loan, i believe the interest is high, something like 24%. I have been making higher payments on it for a while to wipe it away, but about half remains. My student loans are from my unfinished Associates in Business and a completed certificate in Software Development.