<prompt> Human: Long time lurker of rstudentloans which are now my reality. A few redditors suggested I plunk on over here to ask advice, most specifically about the 401 K part of my payback plan.Details: 30 yo M, single, just accepted a software developer position for 78Kyear. I will bring home about 2250 biweekly including health benefit deduction, no 401K deduction. My uncle said to halt the 401K deduction until I get my debt under control hes a Ramsey follower and said Dave said to stop all 401K payments until debt is under controlBackstory: Graduated with a degree in business, worked in banking for a couple years, decided to go back for my MS CS.Brutal details: Have 225K in student loans. 100,000 is Navient private between 7-11 , 125,000 is federal between 3.5-7 . Although I have a high balance, I was still making payments while in school to try and keep the balance from ballooning.I am also working as a golf caddy on the weekends yeah, Im 30 but I dont want to be in debt forever. I also bartend twice a week, so effectively I work 7 days a week. I want a future family, house, etc but dont know how to go about paying back the loans or if its possible. Im scared it will keep my future a long way off. My grace period will be ending soon and I feel like Im facing a mountain right now. When I was in school I was told that I could get over six-figure job for software development, so I feel unsuccessful that I havent.And before everyone rails me for having a high student debt because Ive seen how badly some six-figure debtors get railed here, I was raised by my grandma, so please no where were your parents comments. My grandma did the best she could and contributed what she could to my education--the rest was on me and loans. Im determined ro get rid of my debt for my future and my future family someday and Im working like a dog to do it. Any real life advice would be greatly appreciated.  <response>: Dont feel unsuccessful. Youre doing just fine where you are. This is your first CS job. Youre not going to be making anywhere over 100k right out the door unless you work at the big tech companies, or a huge major tech city. 78k is very decent for your first job. Keep working diligently and in a few years youll reach the 100k goal.Contribute the minimum to your 401k to get yoru companys match if they have one. Its free money youll never get if you dont contribute. What is your credit score like? Is refinancing those private loans an option? 7-11 is really high. Before going too deep into paying your loan, save 250-500 a month to have a 1k Efund. Pay the minimum on your federal loans and tackle your high interest loan first.Its great that youre working two other jobs. Youre going to need all the income you can get. But are those jobs your best choice? So far it sounds like you spend your weekend and 2 days a week for those jobs so that leaves you three nights free. I would start look around to see if you cant find part time work doing CS related things if youre allowed to, check with your work during those three nights. Once you find something, drop your caddy work and bar tending and dedicate your time to CS.Make sure you make a budget, go ahead and start calculating your monthly payments so you can get an idea of what you need to do to get by and pay it all off. 