<prompt> Human: Hi guys,Im a fellow follower of PF, and have read the side flairs, but have been wondering what the majority of you all do in terms of paying down debts and savinginvesting.I currently make 97.5k at a large company working in Tech. My take home pay is about 5525 per month, after taxes. I work as a contractor, so I dont have a 401k to openly contribute to.My current income: Monthly pay 5525My current debts: School loans 19,500 broken down by: - Loan 4601 3.5 Interest - Loan 1814 6.55 Interest - Loan 4523 3.15 Interest - Loan 1930 6.55 Interest - Loan 822 3.15 Interest - Loan 3737 4.25 Interest - Loan 2046 6.55 Interest Car Loan 14,227 0.9 InterestMy current bills: Rent 740mo in a lower style apartment Electric 80mo Water 30mo Internet 40mo Phone 85mo Car Insurance 184mo looking to decrease this Car Payment 270mo School Loan 247mo Food Havent been tracking this. Guessing 3-400 a month.Take home after bills per month 3,500 that I could saveI havent really been tracking my saving, but I have about 10k in savings and a few thousand in an IRA, with a few thousand from my old job in a 401k.Since I have 10k in savings, which is about 6 months for an emergency fund although I know I wont be losing my job, should I just pay off those 6 loans and then invest if I can make 3 instead of paying off the other minimal percentage ones? Is there a way to go about consolidating all into one loan? I have pretty good credit 750.Im looking for long-term growth here and dont want to pass up the financial opportunity Ive been given. Are there any really good reads out there?Thank you for all of your thoughts and suggestions ahead of time, as PF is a great resource to have on Reddit.  <response>: Please read how to handle in the sidebar. 