Scenario: Trouble repaying

KarrieKarrie celebrated her graduation from college by traveling in Africa for six months. The grace period on her student loans has now ended. She spent most of her savings on the trip, but had a job lined up when she got back. After three months at the job, she got laid off! She quickly landed part-time work at a coffee bar, but she knows she’s not going to be able to make this month’s student loan payment.
Given Karrie’s situation, which decision do you think is best for her?