<prompt> Human: Hey Reddit!I am a new graduate with my bachelor of science in biology with a minor in chemistry. Ive already landed a microbiology job which has a salary of about 32,000 a year. I have 45,000 in college debt, about 35,000 of that is in Federal direct loans and the other 10,000 is from a private provider wells Fargo. I am curious about a plan of attack for these loans, what would be the best advice you guys could give?  <response>: Pay them off. Dont buy that new car, dont take that vacation. Pay off your loans. 