<prompt> Human: Hi! I promise Im not as calloused as the title sounds... Let me give you some info! Im 25 US and typically work on contract so Im sporadically employed. When I am employed, I bring in around 2400month after taxes but sometimes I can go a month possibly more without work because of the nature of my business. Im working on getting more consistent income, though.Budget: Rent and utilities: 750 Groceries: 150 Gas: 120 ShoppingEating Out: 50The rest is dumped in savings just in case Im unemployed for too long, except for...My student loans! Stafford Loans now with Sallie Mae 25,000 5.5 This one is completely in my name! Parent PLUS Loan now with Great Lakes 49,000 7.75 This one is completely in my dads name, but I am the one paying it.ALSO theres a 3000 wall of interest I still have to pay through until I hit the principal.Ive mostly been making minimum payment on both loans about 200 to Sallie Mae and 360 to Great Lakes because Ive been doing contract work and basically dont know when I could be unemployed for several months. I want to make bigger payments to pay these off faster, but I feel like I dont want to pay extra on the loans and be left with nothing for essentials if a contract falls through.Dont get me wrong, my father is in his upper 50s and in okay health, and I love him to pieces. I would gladly pay 49K for him to stay alive any amount of time longer! But Im not thinking hes going to be around for another decade or so because of family health history. Its a bummer to think about, but in the event of his death, would the Parent PLUS loan be discharged, since its only in his name? Would my mom his wife be obligated to pay on it, since theyre married? I wanted to pay off the loan with the highest interest rate first, but is it worth it to attack the PLUS loan headfirst if it would just be discharged in a few years with death? I dont want to count on death happening, but I guess I just want to be prepared...In all this mess, I also want to set up a Roth IRA, as well as pay off these loans ASAP. I have about 6000 cash altogether right now!Any advice in general about money would be welcome! Thank you!  <response>: A PLUS loan does get discharged on death. However, it would be very foolish to plan around that. You must position yourself in such a way that assumes you will not be able to discharge the loan and therefore must pay off the balance. If your father dies before the loan is completely paid, then you can begin proceedings to discharge the remainder. Your situation demands that you find a stable job. All of your extra energy must be devoted to that end. Youve got 75k in debt. Even if you were consistently making 2400 a month, you would still be stretched pretty thin on that amount of debt. 