<prompt> Human: Hey PF - using a throwaway account Im 24 F and I am a recent college grad graduated about a year ago and have been working full time since graduation I have recently just realized the amount of student debt personal debt I am in and need help on how I should best tackle it. I also am trying to build an emergency fund and some savings. I have been spending recklessly the past year and am trying to get a handle on my debtCurrent monthly income after taxes and after a 6 contribution to my companies 401k plan is2560Current monthly expenses 125 federal student loan payment I am in IBR and dont have to pay a monthly amount, but it makes me feel better paying something towards these loans instead of just watching interest accumulate 100 private student loan payment 133 private student loan payment 110 private student loan payment 100 separate retirement account90 car insurance 400 car payment 300 fuel I have an hour each way commute to work80 cell phone bill 600 into a savings account 80 therapy sessions Leaving me around 440 which I have been spending recklessly All Current debt50,000 federal student loans 4.65 interest9000 private student loans 7.99 interest7000 private student loans 6.75 interest20,000 auto loan at 5 interest I recently drained my savings for the DP on a car so I do not have any savings Some other notes: i live with my parents because I cannot afford to live on my own and so I can pay down my debt faster. Ideally I would like to get my own place within the next 3 years but I dont see that as feasible with the amount of debt Im in. I have made many unfavorable financial decisions in the past and would like to break this cycle. Any advice would be great. I have been thinking about picking up a waitressing job where I can work one shift a week to help reduce spending and increase my earnings.  <response>: You need a second job. You arent making enough money, and this much debt is an emergency. You dont get days off and a new car and 440 down the toilet with this much debt. 