<prompt> Human: Two seperate student loans at 26k and 13k. The rate is roughly 6 on both. Credit card will soon be 0 interest rate. I also want to try to get a car but that might not be a good idea until I get these paid off. Salary is 26k. So roughly 1.5k a month minus taxes and benefits. How should I spread out the payments?  <response>: Id stay away from a car until you have a higher salary. There are so many expenses aside from the initial cost like insurance, gas, maintenance, etc, that it could easily eat you alive. If you dont need it, dont have it. You simply cant afford it. How does the rest of your picture look? Living with your parents? If so, based on you not mentioning rent, Id say that your priorities should be to get your CC debt taken care of ASAP, then build up some sort of emergency fund while paying the minimum on your loans. After you have 3-6 months of expenses, work on your loans aggressively. Meanwhile work on living frugally to not add to your CC debt. Hopefully you can do more for your salary as well, be it changing jobs or moving up. Theres not much else you can do with your salary being where it is. I dont mean to insult - its just a matter of mathematics.EDIT: You posted 400month rent and 180 for your loans elsewhere. In that case, things dont really change other than you get to be more frugal. After your loan payments and rent, you have 25 a day for food and living if you dont save anything and those are you only bills. Youre going to have to live cheaply until you can get more pay. Like evermore88 asked, that 26k seems to be too low to be exempt. 