<prompt> Human: So I am 22 and just graduated college in May 2015, and my student loans are driving me crazy. I have a total of around 82,434 in loans as of now, broken down into 6 small federal loans through My Great Lakes, and 3 large private loans through Sallie Mae. I cannot afford to pay the largest Sallie Mae loan right now, so I put it into forbearance until April, and I will be able to put it into forbearance for another 9 months. I am currently living with a roommate in Bridgeport, Ct and I am paying 675month for rent, but I may end up having to pay 900month to move into a safer neighborhood. There is little wiggle room there, as I cannot move anywhere closer to work as the price of living will almost double.My monthly expenses are: Rent - 675 might be 900 in June Utilities - 150 Car Loan - 241 Car Insurance - 205 Food - 300 Gas - 100 Credit Card - Currently have 1,300 in CC debt. I try to pay 100month Misc. Spending - Around 200 Direct Deposit Savings - 200Total Expenses: 2,121 2,346 w 900 rentHere is what my loans look like, totaling to around 1070month:Private Loans - Sallie MaeLoan 1 - 15,804 7.5 interest with 120 month repayment plan 192month paymentLoan 2 - 28,108 8.5 interest with 96 month repayment plan 460month payment IN FORBEARANCELoan 3 - 11,521 7.5 interest with 144 month repayment plan 124month paymentFederal Loans6 small loans consolidated into a 294month payment which is adjusted by how much income I make.That puts me over my 3,000 income by about 200. I can lower my monthly spending and maybe put a little less into my savings each month, but I also dont have much in my savings now 3,300 so I want to try and build that up.Edit: Fixed with more details.  <response>: and other necessary expenses,This is probably your problem area, since you cant trace it down to anything real. 