<prompt> Human: Hey everyone, hoping to get some help pulling my finances together for the near future. Im 22 and living with my girlfriend. We got lucky and share a small condo that her mother owns and was previously renting out. We only need to pay association dues which is 350mo along with utilities. My wonderful girlfriend covers those living expenses to help me with my finances. Im currently studying for an industrial engineering degree. So with some backstory, heres my current standing:Student loans with current interest:Private:22,500 at 10.2423,000 at 10.4919,000 at 6.49Federal:3,500 at 4.66 subsidized 2,400 at 4.66 unsubsidized4,500 at 4.29 subsidized2,200 at 4.29 unsubsidized5,500 at 3.76 subsidized2,100 at 3.76 unsubsidized5,500 at 4.45 subsidized2,000 at 4.45 unsubsidizedThis amounts to approximately 92,000 in student debt.Im currently working full time making 19.50hr doing an internship. This next year I will have to take one class in the fall and one class in the spring. Some scheduling issues forced me to take a 5th year to take these final two classes. I will get my degree May 2019. Over the school year, I plan to work 32 hrweek along with my classes. These classes will cost approximately 5000 and can be split among 6 payments from Sept to May. It is possible that I will get a raise before graduation, but dont want to rely on that. Once I graduate, I hope to be making at least 60,000yr maybe closer to 65.In addition to all of this, I have been setting money aside for the past year to buy an engagement ring for my girlfriend. Ive saved up 4,500 though I realize saving money when Im in such debt is ridiculous for the ring, and would like to make the purchase as soon as possible. Looking for some advice from all of you to help direct me through this period. Thank you!  <response>: Look into Moissanite. An excellent option, I would buy the stone from China and have it set by a custom shop. Should keep you around 1k. 