<prompt> Human: I live and work in NC and get paid biweekly. My paycheck is 1385 and im not used to getting a steady paycheck. I have no car payment and my only bills currently are my cellphone 100 a month, Car insurance 50 a month. I have about 20K in student debt but for graduation my dad is making the monthly payments right now up to 8K. I dont spend my money on useless things but I have been spending quite a bit lately. I need to figure out what I should be saving for and how much I should throw at my loans, because I do plan on moving out back on my own in about 6 months. Rent, car repairs, student loans etc.Any guidence to get me started would be appreciated.  <response>: Make payments to your loan alongside your Father to have that paid off faster. Once you have more expenses added onto your plate, paying off your student loan becomes harder than it seems. 