<prompt> Human: Im gonna admit it - I am poor. I just paid this semesters tuition by check, and I now have a whopping total of 345.45 to my name. nbsp;Thats it. No other accounts, nothing. nbsp;Here is my financial situation: Age: 26 Student loans: unsub6.7: 18500, subno interest, in deferment: 20000 No IRA, 401k no company matching, or any other savings plan Total in bank account: 345.45 nbsp;Income: -Research assistant: 40,000 pre-tax, 30,000 post-tax -My work also allows me to be a PhD student I have to pay for all tuition this year, but reimburses up to 5250yr starting next year -Field: Biomedical Engineering nbsp;Expenses: -Housing: Free -Electric: 50mo. -Gas:50mo. -Internet:30mo -Phone: 21.50mo. -Health insurance: 152 weeks -no car walk to work and ride a train to class nbsp;I already live minimally and does not spend much. Taking another job might not be possible as I am already a PhD student and working a full time job. I have many bills to pay, many things to do, and a life to enjoy. How can I saveearn more!? nbsp;P.S. I am 26 and feel like I dont have anything. No house, no car, no money. All I have is -maybe- a degree. Thats it. What am I doing wrong? Assistant: Where is all your income going? Your bills total about 300mo plus your loans. Your income is 2500mo after taxes.You have to figure out where all of this is going.Human: They are alll going to my student loans. Education is expensive :  <response>: You could probably put them in deferment since you say you are a student, but in the long run not having that debt to stick with you might be better. Trade offs. 