<prompt> Human: I have 27K in loans out from Sallie Mae, 44K in Direct loans, and 6k from Chase. I was accepted for income based repayment for my federal loans and pay a measly 30 a month, Chase is 90 a month, and Sallie Mae wants 430 from me.I am aware I should prioritize paying loans off, but I am looking for a short term solution 1 year just so I can get my feet under me. I have called Sallie Mae inquiring about lowering my monthly payment, however I was informed that with the Smart Option Student Loans, there is no way lower the balance due each month.Any advise?I work for a non-profit, take home pay is 1200 biweeklySummary of Major Expenses: Rent: 780 monthlyElectric: 50-70 monthlyCity: 20 MonthlyHealth Insurance: 100 MonthlyInternet: 30 MonthlyNetlfix: 8 monthlyCredit Card: 50 monthlyPet Food: 50 monthlyFood: 70 weeklyGas: 40 WeeklyCar Insurance: 440 yearlyOther Debt:Medical Bill in Collection: 1500Credit Card: 500Biggest concern: Emergency funds  <response>: So you have 2400 in income and 1575 a month in expenses. That leaves 825 a month to pay off student loans, which you say add up to 550 a month.It looks to me like you have 275 a month extra. Im not really seeing why you want to reduce Sallie Mae. Set aside that 275 extra for a few months to build up a 1000 emergency fund, then throw it towards that credit card debt, then the medical bill, then probably Sallie Mae since theyre generally less flexible.It really doesnt seem like youre in that bad of shape... 