If you’re not eligible for any student loan forgiveness programs, you likely have private student loans as currently, federal loans can be consolidated into a direct consolidation loan — qualifying you for some form of income-driven repayment.
If you do have private student loans that don’t qualify for forgiveness and you’re struggling to make monthly payments, you may want to consider getting them refinanced. If you refinance, be sure to compare interest rates across lenders, and beware that while your monthly payments may be lower, the overall amount you end up paying on your loan will likely be higher because you’re paying it over a longer period of time.