<prompt> Human: Almost entirely educational. Im free of credit card debt and other similar debt. Recently paid off 25k credit card debt in full had two nearly maxed out cards.What I have:248,000 federal student loan debt at 7.410,000 loan from my employer at 0 to be paid back within 6 months of starting work13,000 private student loan debt at 10.25I begin work in September.My company is lockstep pay.My take home pay estimate:Year 1: 105,000Year 2:, 115,000Year 3: 125,000Year 4: 140,000Year 5: 160,000I dont see myself working this position for any longer than 5 years. I will most likely move on with my lifes work as soon as I get debt free or really get within striking distance of being debt free.I work and live in Manhattan.My current bills:2400mo rent expensive, I know, but its an expensive area and given that Im constantly on call, I needed to live close to work100mo cell phone 140mo cable and Internet160mo travel200mo electricity How fast can it be done? How would you do it? I know a common response will be find cheaper rent for starters, and if I can when this lease is up, I will.For what its worth, my SO is taking over half the rent cost on the next lease bringing my personal cost down to 1200.My plan right now is to obviously tackle the 10000 loan first due to the time limit, then the 13k loan while making minimums on the federal, then devote all to federal. I was also going to try and save 700-1000mo basically just toss it in a savings account and then when my debt remaining got lower than my savings, pay off the remaining debt with a lump payment.Any other tips and tricks I should do? Is it simply just going to be a matter of being frugal in the rest of my expenses?  <response>: I was also going to try and save 700-1000mo basically just toss it in a savings account and then when my debt remaining got lower than my savings, pay off the remaining debt with a lump payment.This is generally a poor strategy for paying off debt that is accruing interest. The earlier you can pay down your debt, the less interest you will have to pay, so paying it all off in a lump sum costs you a lot more than paying it off a month at a time. A better strategy would be to get 3-6 months worth of expenses into your savings account, and then put every penny you can spare toward the debt. 