<prompt> Human: I graduated with my Bachelors of Applied Pscyhology back in July, and went to school entirely on loans and grants. Worked at the schools IT desk part-time, and made enough money to keep my car running. During my senior year of school, was forced to take out an additional loan in my parents names to pay for everything.Fast forward nearly 4 months. I got hired right out of college A whole week of vacation from graduation to my first day at my local community-based mental health agency, making about 30,000 a year as a Case Manager, more money than my parents were getting paid at their peaks.In living at home through undergrad and now going through grad school, Ive managed to knock out the loan in my parents name, and now have that much more income to pay off the Stafford loans and pay my way through graduate school.When all is said and done, I will be about 85k in debt overall another 60k from grad school, assuming I dont pay anything off for the next 3 years of school.After school, I will step into my first therapist job, making about 45k a year minimum.So, now that Ive finished humblebragging the excitement of paying off a loan I thought would take much longer to finish, on to my actual question.Should I look at moving into my own place, for the sake of life experience and learning how to live entirely alone, or do I save the 450 a month and just chip away at my loans?  <response>: Id start putting it into an emergency fund, at least 3 months of monthly income. Once youve got a proper emergency fund, then start rolling it over into your other loan payments. Pick a new loan to kill off perhaps the one with the highest interest? and add 450 to your payments. Thats 450 going towards the principle balance. 