human
I'm having a hard time paying off my student loan debt.
assistant
It's understandable that you're feeling overwhelmed by the amount of money you owe and how long it will take to pay it back. I think one way to start is to make a budget and track your spending for at least six months so you can get an idea of where your money is going. You might also want to consider looking into income-based repayment plans or consolidation options, which could help you reduce your monthly payments.