<prompt> Human: How should I allocate my funds? Should I do the PSLF or just pay them off ASAP? Annual salary112k gross in CA I get my first paycheck at the end of the month so I dont have the netStudent Loans138k: Fed Loans 1,500month; forgiven after 120 payments wpublic service loan forgiveness10k private student loan 114monthCredit Cards10k 18 APRMonthly BillsRent - 1,525Utilities - 160PhoneInternetTV - 200Gym - 39Automotive - 100 gas maintenance, no car loan  <response>: This is a friendly reminder to visit our FAQ entry on Student LoansYou might also benefit from this common topic: I have X, what should I do with it? and Whats the best way to pay down my debt?Also, please visit our FAQ!I am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 