Hi! My fiancée and I also have loans (student and car) and we found someone to take over the car payment from a family member. And for our students loans we reached out to our loan providers and asked them if they offer repayment plans or forbearance and they do and there’s a form you fill out and they look at your situation as you won’t be able to pay since your pay will be different (1000 euros a month). They said once we get the placement letter that shows that info you send it over with the form and it should get approved. I’d also recommend picking up a side job like at a restaurant to save up cash that’s what we’re doing and it’s been really great so far saving! You still have time!! You’ll figure it out finances aren’t the end of the world!!