<prompt> Human: I work on a tugboat in New York, I spend four weeks on the boat and two weeks off in a rotating scedule. I make 270 a day plus a 55 per diem for travel. Comes out to 325 a day. So about 9100 a month pre-tax. Around 7500 a month post tax. Im 23 years old and Im still living at home. I dont own a car. My only expenses are a cellphone bill and an occasional bartab. Im trying to figure out what I should be doing to make this debt go away faster. I owe 80,000 total. Two stafford loans one is 20,000 which is in my name and another 60,000 which is in my mothers name. Any help or advice would be greatly appreciated.  <response>: I dont see a problem here? You gross 109k a year AND LIVE AT HOME with 80k in student loans.What do you need help with? Even if you put 4000 a month on your student loans they would be paid off in under 2 years. You can pay this off EASILY in 18 months. 