<prompt> Human: Hi, first post on reddit. Im 29, just got my first job making more than 10hr and Im not sure what the best moves to make are. Im making 101kI have about 110k in student loan debt of interests rates varying from around 3 to over 7 and 20k of that is technically interest free to parentsNo assets, nothing in retirementIm about four months into work. Ive paid some into the loans and put aside a few thousand in saving probably need a new car soon. And I work closely with nonprofit near and dear to my heart who I would love throw money at. I was thinking of just going to a professional but not sure who is indicated- accountant or financial adviser?  <response>: You need to throw money at your student loans. Youll have time for philanthropy once you have those paid off--and youll be in a better position to make meaningful contributions at that point as well. 