<prompt> Human: Im a 24 year old male living at home with my parents. I have nearly 100,000 in student loan debt, and guess whatdidnt even complete my degree. My last semester of school I didnt take out a loan, and the school sent about 22,000 to collections. They have hounded me, and garnished my tax return this year. Ive been lucky; I have a decent professional job with plenty of room to advance in my field. For the most part, my base salary is 50k, and my monthly take home is about 2,800. My monthly loan payments are 1,000. I refinanced and consolidated. The last semester of school tuition unpaid dropped my credit score from a solid 785 to 624. I want to figure out the best course of action to really become independent. I want to live on my own. I want to finish my degree while working. I want to be able to save and put money away. I have no savings currently, but have been able to pay off all my credit card debt. I dont have to pay for anything outside of occasional entertainment, gas, and loans. Im still on my parents insurance, phone plan, and dont pay for rent or my car. Im looking for any advice or anecdotes from ideas on how to get a better grip on my finances, to stories about how you might have tackled debt on your own. I just dont know where to start and feel almost crippled by all of this. Please, any help would be greatly appreciated.  <response>: You need a second job and to follow the Dave Ramsey plan. You could be out of debt in 3 years. 