<prompt> Human: Hi personalfinance. Im just starting out with a real job graduated in August and am realizing that I have no idea how to manage my money. I have very little in the way of expenses living with my generous parents who dont charge me for things I have some subsidized and unsubsidized student loans about 27k total that I have to start paying in May and my car from high school has around 165k miles on it and is starting to go. I have a monthly income of around 2100. So my two questions are. what advice do you have to most efficiently pay off my student loans?and what advice do you have about negotiatingpurchasingdown paymentsfinancing a car?Thanks!  <response>: Make a budget. Get a 1,000 emergency fund. Throw everything you have at paying off your student loans. If your car dies buy a cheap car, dont get into payments. 