Can undergraduates get relief from student loan debt in 4 steps?

You may need to explain your hardship with more facts. We can't actually help you in reducing your education expenses since we don't regulate those.

Sorry about that. I have racked up a lot of student loans and I don't think my starting salary upon graduation is going to be high enough to support my needs and my payments. On top of my student loans I have a couple of credit cards bringing me down.
I was referred to triad debt relief but want to know if anybody else has used them before.
But mainly I just need some advice on what I can do before I get in too deep. Please share some options you may think I have or things you have done.

Please avoid putting commercial links- Phoenix

You must wait for Soaplady. She is our expert of student loans.

Meanwhile, are these loans Fed or private?

Student loans can't be brought under a consolidation program. They react very differently. Hence, a debt consolidation company can help only in consolidating unsecured/ credit card debts.

How much do you owe on your CCs? You can check with the 'do it yourself' section to learn the ways to deal with your debt issues yourself without paying the fees to the consolidation firms.

I think the student loans are private since they had me choose the lender to go through which is America First. And I have about $10,000 on CC's.

You think they are private loans? This is something you should know. What type of school did you go to?

Educational costs should not come as a huge shocker...you know setting out approx what it is going to cost. You know what is affordable to you based on your financial aid eligibility.

If these are in fact private loans, you need to figure out now how you will pay them. There is no relief for privaate loans and no bankruptcy.