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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I agree with previous posters, he needs to get a 2nd job or a higher paying job.[/quote]

+1.  He's only making $30K per year.  If he works full time, then he's only making about $14.5 per hour, so basically he's decided to completely ignore the training and education that he borrowed to get.  Well, he's still responsible for paying it back.

$600/month is $150/week.  Current minimum wage is $7.25 per hour.  If he works 20 hours per week at a minimum wage job, he'll make the payment.  If he can make $10/hr then he can do it with 15 hours.  Another option is for him to talk to his employer if there are other jobs around the company that can be done.  Evening janitorial jobs may be an option.  I know someone who extended their work day 2 hours every day and in the middle did the mail courier runs between buildings and customer sites.  Another joined the receptionist team and manned the front desk for an hour every day when the receptionist went to lunch and got 5 hours/week more (at a lower rate), but it was enough to make ends meet for her.  She still put in 40 hours per week on her regular job, but her work days were not 9.5 hours instead of 8.5 hours.

[/quote]

I agree with this post. Since loans are not dischargeable, if he's making only $30k a year, he will have to suck it up and get a second job before he even thinks about getting another degree. It will delay the education but whether he does that or not will tell you how determined he is to get that second degree. 
Or have him change jobs. There's a ton of jobs that make more than $30k a year. He will have to be in a higher paying job and then go back to school if he really desires it. Education/degree is not an entitlement. It's a privilege.  [/quote]

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