I am in a bad situation, I am underemployed with two jobs, I only make enough to pay rent, utilities and gas for my old car that's always got something wrong with it.  I'm in constant fear that my car won't make it to its next destination.  I don't have any family to help me, I don't know what to do.  I don't spend money on frills like dining out, clothes medical prescription or doctors visits because I can't afford to.  I need help paying student loans.  They are threatening wage garnishment and I won't be able to afford to pay rent and I don't want to be homeless.  I don't know what to do.  I need help paying my student loans.