<prompt> Human: Im currently putting 750-800 a month into loans because I have the luxury of living at home for a while and dont have car payments or anything like that. I have 35K of actual loans with interest and 20K of loans from my parents off the home equity. I usually split 600 to the collegestate loans and 150 for my parents a month. Is this too littletoo much, and should some of that money be better off into a savings account?Edit: So after taking everyones opinions into account Ive created a rough budget. Let me know what you think:Between my 3 jobs, I make about 2,700 a month after taxes. I can put 2,100 a month into loans. That leaves me 600. Ill save 200 a month which leaves me 400. I pay my father 160 a month for rent to live at home, leaving me 240 and then about 120 in gas which leaves me 120 left for spending money. By this logic, Ill have ALL my loans paid off at most in 30 months. At its worst, Ill be done in 2 and a half years and have about 7,500 in savings to start my own life. Plus I already have pre-designated raises coming for the next two years About 1.75 raise each year which should make things even faster.Assistant: What are your goals? What is your budget? If youre okay with living with your parents and you dont have any other expenses you can afford a lot more than 800.Human: Well I have a stable job with the State. This was a blessing in itself for someone coming right out of college so I plan on staying within the State for as long as my career lasts. Budget-wise Ive been putting the aforementioned amount of money into loans and purchasing 300-500 a month including gas and whatever else in order to built some credit with my credit card which I just got. The rest I just have sitting in my checking account. While I dont mind staying at home for a bit, Im currently waiting for my girlfriend to finish at our college she was a year below me and well consider getting an apartment and starting our own lives when she gets a FT job. I should also mention my 45K salary is before taxes, and that I also work two other part-time jobs as well only about an extra 12 hours a week between the two. I would certainly love to put more money into my loans but Im worried that if I do that now, I wouldnt have enough saved for whatever I may need to pay for if I move out into my own apartment around the middle of next year again, granted that my girlfriend can get a FT job out of college too.  <response>: purchasing 300-500 a month including gas and whatever else in order to built some credit with my credit card which I just got.Not sure if you meant something else but you dont need to spend extra money to have good credit. Dont buy a bunch of crap because you think spending more will make your credit better - it doesnt work that way. 