I'm in the same boat, well actually much darker, no golden handcuffs, lot of student debt, health problems. I'm losing hope. I'm hoping the AI bubble bursts so that interest rates come down so I can get an interest rate on loans that is affordable. If I don't refinance it is game over. Honestly, I'm not sure I will be able to get through this.

Take time off work, take a break, travel.

Don't burn yourself out.