<prompt> Human: This is my first post on this sub. Ive browsed through the wiki and got some helpful tips, but there are a lot of limiting factors in my case.Im a college student living on my own. I pay my own bills rent, utilities, internet while my mom pays my phone bill and car insurance. Itll continue to be that way until I graduate May 2019 then Ill be completely on my own. I will never move back into my parents house for personal reasons. I feel like my parents didnt teach me anything about finances or savings. Ive pretty much been working paycheck to paycheck while also doing some side gigs for extra cash. I dont have a savings account either.I guess Im just seeking advice on where to start saving to pay off a relatively low loan I got a full ride to university, I just had to take out subsidized loans for my dorm I just dont want to start of my financially independent life working paycheck to paycheck like I do now. I want to have savings by then while also being smarter with my money. All advice is appreciated!  <response>: pay minimum payments on the loans until you get an emergency fund going. 6 months of expenses. Not income, expenses.Figure out what you spend in a typical month, save up 6x that.Then pay off your debt aggressively. 