<prompt> Human: Sorry for the wall of text rpersonalfinance, but Im desperate for advice right now.Before I go into my debt detail, let me give you a little info about myself. I am currently a senior in college, about to graduate in December. I currently work a job where I make around 700 a month, give or take. I have enough money in my savings account to pay rent until my lease expires, plus 400 in savings. I am currently trying to save for the time that I may be jobless for a while in early 2015, as I will be getting married no big wedding, just a courthouse ceremony and moving with my then husband to his next duty station, which is outside the United States.Now, heres where the tricky part comes in. I still have loans that I will be needing to take out for the fall semester, though I am hoping I wont need anymore private loans. My situation is alot worse than I would like to admit I fear, and I want to pay down as much debt as I can before I move so that I dont leave my future husband with my mounds of debt.Heres the scoop:My current monthly bills not including my rent:phone - 97 I know this could be lower, and have looked into cheaper options, but I dont want to compromise my service. I have thought about switching to T-mobile from Verizon, since they pay the ETF. Does anyone know how their coverage is? Is it just as good as Verizon? If so, this could help tremendously...because I am paying out the ass.Electric - around 50Private loans - 45 minimum paymentsCredit Cards - 132 minimum with both cardsMy outstanding debts are:6300 on credit card 1, with an interest rate of 8.25400 on credit card 2, with an interest rate of 18.25My private loans are at 39,000, with an interest on all of them of 7.To answer any questions that I may get asked about my 1st credit card, I was young, and working a job where I made about 100 paychecks, living much outside of my wealth while I was living at home. Before I knew it, it snowballed into this pile that in about a year, paid down from the 7200 it was. So, with all of that information, if any of you can give me good advice on how to get this paid down as much as possible while still saving, I would appreciate it. I am currently searching for a better job, and have a summer job lined up on campus that is easy and will bring in more money, but I know I will need to find a second job, and fast. I am just not entirely sure where to begin to pay this mountain down, and want to pay as much as I can before marriage and moving, start a EF, as well as still manage to have money to do some fun things this year while I can. I dont want to have to be a hermit because Im too broke. :Thank you, rpersonalfinance.  <response>: Cell phone service is largely location dependent. But if you really want out of debt, look into things like Republic Wireless and Ting. Both offer plans around 25. Is Verizon really 4x better?Obviously CC2 should be paid off with the highest urgency. That rate is terrible.Basically you have 3 things you can do to improve the debt situation: Cut expenses stop buying stuff, raise income new or 2nd job and lower the cost of debt refinance 