<prompt> Human: My boyfriend posted last week about my student loan debt. Here is a link to the thread: He has helped me to understand the seriousness of my financial situation and I am ready to start tackling my debt head on. I know that some people may judge me for taking out such large loans. But ultimately I was faced with the prospect of getting a college degree with no parental support or guidance and all I can do now is move forward. I know I need to formulate a plan but I feel overwhelmed about where to start. Here are the details:Wellsfargo: Loan 1: 7,366.28 Interest: 7.69 Wellsfargo: Loan 2: 35,074.77 Interest: 7.25Wellsfargo: Loan 3:29,921.30 Interest: 5.75Wellsfargo: Loan 4: 9,873.92 Inerest: 5.75Federal loans consolidated at 5.75 34,845.97Parent plus loans in my Moms name but I pay monthly46,780.91 Interest 7.9Loan through my school University of San Francisco 1,643.06 Interest 5 Total school debt: 165,506.21All interest rates are fixed rateI am an RN but I work for a non-profit organization and I am signed up for the public service loan forgiveness program. My gross income is: 63,000 I am receiving a small raise in JuneMy net income is: 43,560 I plan on putting together a budget today to determine how much I really need to live on. We live in San Francisco so the cost of living is higher than most places. We are extremely lucky to have rent control and we have a spare room we are going to sublet for market value which will make our rent decrease to practically nothing for SF standards. Here is a rough estimate of my monthly bills:Loans minimum payment: 1,539Rent and utilities: 700Cell phone: 91Car expenses, insurance, and gas: 300 I commute one hour to work and I am required to have a car for work because I take clients to doctors appointments and I make home visits Groceriestoiletries: 300monthgym membership: 30month Total monthly Income: 3630 plus approximately 80month mileage reimbursement from workTotal bills: 3110I am considering alternate forms of income. My mom makes jewelry and needs help creating a website and managing it. I may approach her about working together. When my paycheck comes in I immediately put all of the money toward my bills. But after that I know I am spending my money on crap I dont really need. My boyfriend brought up the idea of cashing the rest of my paycheck and putting it in envelopes with budgeted amounts for different things. I actually think this method could really work for me because I need some structure. Any other ideas or advice would be greatly appreciated. I am ready to buckle down and live frugally but I need some guidance. My boyfriend has told me how helpful people are on this sub-reddit so thank you in advance for any advice you give me.  <response>: I am an RN in Southern Cali, but I lived in the East Bay Berkeley for a few years. My advice is the same as everyone elses: get into a hospital. Case management experience usually wont allow you to lateral anywhere that great, and the pay is bad compared to a hospital gig. I am a surgical nurse, and I would rather chop my own leg off than work med-surg again, but there are lots of options if you have a similar aversion. ICU or ED experience is great because its considered such a strong foundation, and people tend to be less burned out there for a while at least. LD is also hugely popular... Bottom line if youre in a clinic or Home Health, your hours will be sweet but your resume and bank account wont be. Something to consider as you move forward- you can do it! With a year of experience youll have a lot in your reach. Good luck. 