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I came across this and it worked.

You don’t state your field of study but I find it surprising you can’t improve your earnings after graduation.

You are so far in debt that you really should consider working a couple of years to catch up. Perhaps you can find an employer who will pay your educational expenses while you work full time and go to school part time.

You can’t refinance or consolidate yourself out of debt. You’ll only get in deeper.

You can not get an education loan after you graduate. Wait till you start grad school, then take the loans. There are caps on what you can borrow so, depending on how much debt you have, you may not get enough to pay off all of your other bills. Student loan interest rates are government controlled. Right now they are around 6%. They will not help you get into school. You have to be a student at an accredited school to even apply.