Sounds like your biggest debt service is your student loans of $100K and credit card at $40K. If you default of the cc, you can kiss anymore use good bye. The Student loan is probably a GSL? If so, you cant default on it. The govt will always want that money back. The rest are expenses for living. reduce where you can. Am I missing anything?
At this point it’s all about cash flow for you. You’re young and trying to increase your lot in life. To be honest, servicing you debt is a small part of your monthly expense. Maybe $500 or $600? If you’re making $85K and a debt service load of $8K per year is draggin you down, you need to seriously re-evaluate your life style as you’ll need to cut expenses big time.
