<prompt> Human: Hi everyone! Im using a throwaway because my other account is identifiable. I need your help!nbsp;So I am 24, I graduated from a private university in Winter 2013 I got a job shortly after and theyve been great. Each of my checks average around 1560 before deductions and is 1000 after. I work in MarketingPR currently, but eventually Id like to work somewhere in government.nbsp;My issue is -- with my student loan payments I have no idea how Im supposed to function.nbsp;I have three loans: One private, totaling 14,830 at 7.64. I pay 127 a month towards that. One public, totaling 30, 253 at 4.5. I just got bumped up to pay 117 a month, as I am doing income based payments. One Parent PLUS loan: WAS 40,115 at 7.375. This is the most difficult loan for me. My mother co-signed this loan, and she is an immigrant we both were kind of confused about how the process worked when we initially took the loan. But shes made many sacrifices for me and I am currently paying this myself. She and my father are also planning on retiring in the next couple of years.nbsp;For the past year the loan balance did not budge because I was paying the interest amount, at 224. They did some sort of principal interest amount and now the loan is at 42,114. I switched from doing an income payment to doing an extended graduated payment. The new amount will be 267 starting in October.nbsp;I dont have any other expenses my parents pay for my car insurance, Im still on my dads health insurance and they also pay for my phone bill. I live in a different state from my family my boyfriend and I are renting, its 1200 a month, I pay 700 of that. My boyfriend pays for every other utility and necessity. I dont have any credit cards. I have 1000 in an emergency fund and then about 3000 more in random savings for things that I think might happen.nbsp;Im unsure what to do my employer is really great, so I was considering asking for a raise because I have done some great things for the company recently, but I dont know if that will do much. I cant take back the price of my degree, or doing the parent loan. nbsp;I would appreciate any advice, its really frustrating that Im an adult woman and I still remember how to find the area of a triangle but I still get confused about what a 401k really is. If there is anything else that Im forgetting to mention, I will try and get that info for you. Thanks all.EDIT: Let me clarify -- I had multiple semesters of loans for both my public loan and the parent PLUS -- so I consolidated all of them so I would only have two large amounts. Sorry about that.Assistant: You need to write out a budget because you should have no issue paying this off with where you currently are. Sounds like your total bills for the month is 700, everything else paid for by your parents and SO. You could spend maybe 300 per month for food, gas, etc. That leaves another 1000 thats going...somewhere. roughly 500 is going to loans and the other 500 is going where?Human: Yeah -- I feel like a moron, I need major hand-holding here.2000 a month income-700 rent-510 loansI use the bank Simple and have goals set up through that -- right now it is saving 24 a day. Should I pause those goals and put cash to the loans? My boyfriend says that I should just take my time paying them off since they arent going anywhere.  <response>: Your boyfriend is wrong, the interest rates on the loans are significant, please look up Mr Money Mustache. 