<prompt> Human: Hello all,I need some general advice on how to approach my debts the best way possible. As I was doing my taxes, I realized how much I am paying in student loans interest and still owe the IRS on top of that. This year I paid 7.5k in interest. These are my debts. Also, I graduated 2.5 years ago from college so I am still trying to figure out my financials.Private loanTotal: 21k 10 APR - 400 monthly payments4732 in interest this year. Estimated pay-off: Jan 2023Fed loansTotal: 39k -between 3 and 6.5 - roughly 250 monthly payments 2500 in interest this yearOther student loanTotal: 4065 at 550 monthly payment min paymentCredit Card Total: 3100 at 16.74 apr Roughly payments of 150. A bit more than min paymentSo my total debt is around 67k. I graduated 2 years ago and have a stable job that luckily provides me to pay all these loans. I have around 20k in 401k, 3k as emergency fund I know is pretty low and my net monthly income is 4.5k. I have a quite expensive rent right now 2k including utilities and other expenses for around 500 monthly. My rent is going to decrease in July as I am going to have a roommate so I will have extra money. I know little about personal finance and I had tried to educate myself but still overwhelmed with all the things I read. I just need a few recommendations to start a plan based on my case.Thanks!  <response>: I was in a similar situation when I graduated from college. Heres my humble advice. 1. Your priority should be to pay off that credit card. If you use the 1kmonth from your roommate, 3 months its gone. 2. 10 on a student loan is a lot. I would check in with student loan refinance companies to see if you can knock that down a bit. 3. If your job is stable, you can probably coast by with the emergency fund you have. You dont have a house, kids, etc. So if you want to beef it up, go for it, but Id focus on debt. The credit card is the biggest thing, but its up to you on how to attack your debt after that. Snowball, avalanche, whatever, just get out from under some of those bills and get the train rolling. You make pretty good money so try to limit how much you spend and go for it. 