<prompt> Human: Im going to preface this by admitting I had no clue what I was getting into. My uncle told me to just sign the paperwork and get through college.I have 100k in student loans. I make 70k after taxes and everything its 1650 bi weekly and my student loan repayments start on Christmas at 1083 a month. My apartment is 1100 a month. I can technically afford both but Im unsure how I should be organizingsaving the money I have left. My uncle told me I should consider getting my license and a car so I can move further away from the city and spend less on rent but Im think that will end up costing me more money. I am also considering refinancing my loan for lower payments. Is this a good idea?Assistant: How much are federal and how much are private?What are your current interest rates on your loans?What could you realistically save on rent by moving further away from the city?Human: None of that 100k is federal. My federal loans will only cost me 40 a month so Im not concerned about those. The 100k loan I have is a private Wells Fargo loan at 11 fixed interest.If I moved further out I could probably find a place for 800 but Im in a city center where pretty much every place is walkable and Im 15 minutes from my job. I have to learn how to drive and get a car plus pay for gas, which Im not sure is worth it.  <response>: Definitely apply for a refinance. Places like SoFi are a good place to start.At 300 difference, I dont think it will be worth it to move further out if you currently dont pay for cargasinsurancemaintenance. Looking for a potentially lower cost place near where you are may be worth keeping an eye out for. 