<prompt> Human: I owe 60,000 for my own student loans. They have been consolidated. I am working in teaching with the hope that I can eventually get forgiveness. My mother helped me pay for school when I almost couldnt by allowing me to use her name for the PLUS loan. Now she wants me to pay it because it is ruining her credit. I am not sure what to do and I need help.Assistant: Post your income, budget, and all debts with minimum interest rates. Legally you arent responsible for PP loans and your forgiveness wont affect them. And the only reason they would ruin her credit is if she decided not to pay them.Human: I owe a DL consolidated subsidized loan of 21,389.82 at 6 and a DL consolidated unsubsidized loan of 29,839.79 at 6 totaling 51,229.61, so its not exactly 60,000. The Parent plus loan is 21,274.83 with an interest rate of 7.9. Last month I made an income of 2,764 and spent 1,790 on everything on my budget.Assistant: Post your budget. If youve decided to pay off the PP loan entirely, then you should try to cut as much as possible to pay it off ASAP. 7.9 is pretty high.Save p a 3 month emergency fund and then put everything towards it. What youll do with the loans in your name could be a different story depending on the type of forgivenessif youre sure youll be there long enough to get it.Human: 70 for auto insurance160 for gas100 for mobile phone9 for netflix180 for groceries it will probably be around 160 or less at the end of the month300 for dining out it will probably be much less than that at the end of the month154 for health insurance600 for rent60 for therapistAssistant: You need to get your dining out category under control. Thats the easiest budget category that is far too high given your financial situation. Youre spending 10 a day essentially on eating out. Bring that down to 10 a week and youll have 250ish a month towards debt.Also look into changing your mobile phone carrier plan. 100month for 1phone is absurd. What kind of car do you drive or how far is your commute that you use 160 in gas?Does your rent include all utilities? Electricity, internet etc.? Im not seeing that included anywhere. What about household goods like shampoo and toilet paper, where do you include those types of necessary items?I think if youre realistic about your budget and cut down in some areas youll be able to find some extra monrhly cash to throw at that debt.Human: I drive like 80 miles a day so the gas is usually that much. Rent includes all utilities. Necessary items are paid for with any left over money.  <response>: Items that are necessary need to be included in your budget, you will have to buy them because they are necessary. What happens if there isnt left over money at the end of the month? You go without toilet paper?Gas is reasonable then, and glad to know all your utilities are included! I wish mine were! You still need to work on the eating out category. 