<prompt> Human: I am a 30 year old living in NYC with about 15,000 saved and 100,000 in student loans. I have been paying the minimum based on income levels which is only about 350 a month. What is the smartest thing to do with the money I have saved?I have Roth accounts already set up for retirement. I dont make a consistent income from free-lancing and I save as much as possible when paid. I can pay my monthly living expenses with no problem and do not lead a frivolous lifestyle.Eventually Id like to invest in property but this student loan debt feels crippling. It was originally about 60,000 and is now at 100,000. Any suggestions on what to do with my savings? Increase my payments to 500-750 a month. Put it in a CD? Thank you!UPDATE: Pardon the delayed response I have been traveling. Here are the key additional facts:-I am female, single and renting a room in NYC. I dont own a car and this loan is the only debt I have. -Its all just one loan at a 7 interest rate.-I work in the media on W-2s doing short-term contracts for various companies.-I generally make about wide range between 65-90K per year. Some years are slower but thats been the range for the past 4 years. -I did have one crazy year where I made 30K because things were unusually slow. But I can say with moderate confidence that that 65-90K range is to be expected with the possibility of more as I go up the ranks. -I paid off credit card debt completely last year and focused on saving so that I have a cushion for living expenses.-I am inclined to keep doing the Income Driven Repayment plan and keep saving toward investing in property. Id rather put money I spend on rent toward a property that I could also rent out when I have to travel for work often for extended periods. Thanks again for your responses. Its pretty crazy how common this upside down student loan dilemma is. I just dont see the point of putting more toward a seeming black hole of debt. Paying the IDR minimum Quality of life The potential to make more by investing in property Working hard to continue to make more in my career seems the best choice for now. Thoughts???  <response>: Interest only is 583.33 per month. Immediately set up automatic payments of 291.67 every two weeks. Make a budget that doesnt include movies, Starbucks, cable tv, a car youre in NYC, gym membership run and do push-ups, eating out, etc. Once you determine what 6 months of living expenses is and have it saved up, dump every extra dollar into the loan. Think about a part time job such as bartending. Forget about investments. Your investment career will entail paying off that loan. think about it like this-Its a guaranteed 7 annual return. The best money managers in the world cant do that.Good luck. Try to get out of NYC if you can. 