<prompt> Human: Hi All,Ok husband and I are making 8,500 monthly,Pretty much zero in savings, 9,000 in credit cards and 140,00 in student loans. All of our income goes out in bills, childcare etc, and we havent been able to save for last 2 years. Monthly slipping a little bit deeper into CC debt.Student loans are in four accounts- 58,000 private loan- 7.5 interest , monthly payment 6598,500- federal 6.8 monthly payment 15012,500- federal 6.8 monthly payment 15049,000- federaldont know interest monthly payment 575.We are fortunate enough to be getting lump sum family loan to pay off 58,000 private student Loan- will be turned into interest only loan through family, believe at 3 1,500 a year minimum owed moving forward. Will need to pay off more, but dont plan on paying principal for a few years.We will also be getting 14,000 a year gift through trust to use as needed, for the foreseeable future.So our goal is to decrease monthly student loan payments to 1000 a month from 1,500 so we can either save or pay off other loans quicker.With the 14,000 this year we plan to pay off CC debt, put remainder toward 8,500 student loan and then pay minimums for remainder of year, hopefully putting 500 a month in savings. Is this the best way to go? Should we put into savings first? Very confused about what to prioritize.Thanks!  <response>: You dont have an income problem, but you definitely have an outflow problem. You remind me of me a year ago! Get on a budget. Get on a budget. Get on a budget. Great news about the family money coming in. Get rid of the credit card debt and never spend money you dont have again. YNAB helps with that! Use that 14k to pay off the credit card and then start a mini-emergency fund. Then start throwing everything you can at your loans at 7. Theyre killing you! 