<prompt> Human: I have a total of 38,722.04 in student loan debtaccrued interest. I have been on an income based repayment plan for the past couple of years and havent put much at all towards it, but Im doing a little better financially and need to start paying it off more seriously.Basically I have three loans at 6.837; interest rate that together total about 28k, and a fourth loan at 3.437; interest thats around 10k.My job is fee-for-service so my income varies a lot, but I would like to try as best as possible to put down a regular amount every month. I can afford 150 a month, maybe more if its a good month.What should I do? All advice appreciated, I am really bad with money :EDIT: I guess my more specific question is what should I do while Im still on this IBRP. My monthly payment is set at 0 and I want to pay off one of the loans interest before it capitalizes in July. It told me it will advance my due date and possible effect my non-profit loan forgiveness which I may one day be eligible for and I dont know what it all meaaans  <response>: Its basically all math. The main issue is this, the is gaining about 160mo in interest, and the is gaining about 28mo. So if youre paying less than 188, the principal isnt actually going down. The more you can pay per month, the less interest they will gain and the faster youll pay it off.Live financially as tight as you can. Avoid eating out and avoid buying anything that isnt essential. Even 10 extra can make a difference long term. As your income grows, dont buy nicer cars or higher rent apartment or anything, throw it at the loan. Consider additional work on the side if feasible.Trust me, its not fun having leftover student loans for over a decade. Attack those loans as fast as you can. Put all the extra payments towards the smallest loan thats at 6.8 interest. 