<prompt> Human: I will be graduating with 33k in student loans. I live cheaply and dont waste money I pay my bills on time and have only two credit cards for emergencies food, gas and car repairs. I few questions I am not sure of.How long are student loan terms 5, 10, 15 I dont know?What should I expect to be for a monthly payment?Are there any type I should pay off first I would assume the ones with the highest interest?I have a plan to use half in my income tax return every year for the next 5 years and make lump sum payments since my returns a large every year. I could pay 3k every year. 15kAny other things I should be thinking about?Thank you in advance.  <response>: Going to make some assumptions here... If your are a student I am assuming you are living on about 25k per year. Lets hope your new job will be at least 50k per year. Spend 18 months living the way you have been and send everything else to the loans. Another 18 months living like a broke college student is not that bad and will be worth it. Remember: new job degree does not new car payment and a mortgage. Finish being a student first by paying off your student debt. 