<prompt> Human: So I recently graduated college from a private school that I thought my parents and I were able to afford, but they hit me with the news recently that they payed for it by taking out massive loans for me in their name hoping that I would get a good job and be able to pay it off... I only knew about 45k of the debt, not the other 125k when I decided to go to my school. Im not here to complain im just here to get some advice... I start paying back loans in November and will pay about 1300 per month of loans. My loans are as follows1. 33k 7.9 2. 45k 6.41 3. 28k 7.21 4. 27k 6.84 5. 28k 4.39 Currently I make 62k a year, an receive 1000 every quarter from my company to help pay for cost of living since I live in a high cost of living area... I also currently have 15k in the bank and no other savings. My company contributes 3 of my salary towards retirement and matches up to 4 I put in. My monthly take home is about 3300 after taxes. I also tutor after work and make about 500 bucks a month but that will stop in March. Expenses for the past three months: Rent- 1150 Utilities- 150 Groceries 300 Clothing 150 Going out 200 Misc Apartment Improvements 100 Obviously there is wiggle room within my spending budget for example I can completely cut going out clothing spending and reduce groceries and apartment improvements but I would still love everyones advice. I want to confront this head on, I just dont know what the best way to tackle it is, therefore would love advice. Update 1: So Some people were wondering so I figured I would give some more background. Essentially as a senior in high school I got into a really good school, however I didnt think I could afford it, so I argued with my dad and told him I dont think we can afford this school. Even with my scholarship, but he essentially said, no go... We will figure it out between your mom I, youll have about 45k in debt, but youll be able to pay that off in about 4-5 years most likely, so I went. I double majored, and double minored. Worked really hard, graduated magna cum laude... Got a job offer where My salary after everything was said and done was about 35 higher then the average for my college. So I was happy with it... Now I wanted to figure out my loans as soon as possible after school so I asked my dad to send me all my loan info so I could start tackling them... He then proceeds to drop the bomb on me... He said I wouldnt have to pay everything off my own, but my parents are getting close towards retirement about 5 or so years so I cant have them pay my loans off, in my mind its my responsibility now. No trying to fight it might as well just accept it try to pay if off it whatever way I can.  <response>: Live rent free with your parents if you can. 