<prompt> Human: Ive held a job since I was 16, worked all during school and during the summers, and I have nothing to show for it. Im approaching my last semester at college and I really want to get my money management under control and I want to be debt-free in 10 years Preferably less. Currently I make 13k a year with summerschool jobs.Right now, I have about 2400 dollars to my name, but when you factor in a personal loan I have and my student loan debt, my net-worth is in the negative. And I want to change that. Here is my debt right now:Personal Loan: As of 617 4,835.02 4.790 which is 147.22 a month.Student loans:Subsidized - 9,894.00 3.4Subsidized - 5,500.00 3.86Subsidized - 3,500.00 4.5Unsubsidized - 2,000 3.86Unsubsidized - 6,070.61 6.8Principle: 26,964.61My loans havent gone through for this upcoming semester, so this amount will go up.I did start an excel spreadsheet with a register for me to record all of withdrawals and income. As well as a budget sheet in the same workbook, but after doing it for 2 weeks, I got really busy with work and my online classes and I havent touched it since.Im currently saving for a car because mine died and I had to sell it at a huge loss. But I dont only want to save for a car and then go back into my old ways of spending every paycheck I get. I had a wild idea today to take out a loan for a new car because I will have a full time job when I graduate. But I dont want that extra overhead of another payment. Thats half the reason on posting here, because one part of me said go for it, then the other said no way in hell. What should I do?For my student loans, if I can consolidate them into one, should I take that route? If not, tackle the two with the highest interest first?I just really need some direction on how to manage my money so Im not blowing every paycheck, as well as how to save and possibly invest for the future.Thank you.Edit: I dont know if this matters, but Im in the US.  <response>: Keep treading water and dont do anything drastic until you graduate and have a good, steady job. 