<human>: My girlfriend graduated about a year ago with a BS in Kinesiology.  She plans pursue CNA certification and ultimately RN as well.

Unfortunately, starting this coming August her total student loan monthly payment will be ~1500.  

Before she can quit her current job and pursue the CNA/RN plan she needs to refinance the loans she has.   She is making $12 hourly as a full time nanny M-F as well as working retail/service industry jobs on the weekends.  Additionally (assuming I am understanding this correctly), as soon as she can start pursuing the CNA/RN plan she will also be able to defer the loan payments.  

Heres the issue:  Every refinancing option she has looked into will not accept the nannying money as "income."  Are there any other options for "legitimizing" that money?  Any other payment options she should look into?

Summarize the given text in a few sentences.
<bot>: Girlfriend is a full time nanny but can't use that "income" to refinance.  Needs to refinance before being able to pursue higher paying job.