Financial assistance??

Hello everyone,

I have a friend and they are currently working at a job that doesn't pay well. They're trying to find a new job but thea market sucks and they have student loans they're still paying off. The stress of it and bills is taking a big toll on their mental health and they can't even afford food right now. :(

They tried refinancing but were told they had "insufficient income." And were denied.

So I was wondering if there's someone or a group that can help them maybe get their monthly payments lowered? Just anything? I never dealt with this so I don't know what to do but I feel like there's gotta be an answer out there and I know they're not the only one struggling.

Thank you very much for taking the time to read my post.