<prompt> Human: I have been lurking around PF and I was just looking for some help to accelerate the payment of my student loans. I made the stupid mistake of being convinced by my parents that name was everything for college and attended a private school. I always thought I was going into medicine then realized it wasnt for me and am now working in a steady position with decent growth at 53k. I also tutor heavily on the side averaging 8-10 students a week, which nets me an extra 10-15k a year. The urge to pay of student loans is this raging fire burning within me and I am throwing everything I have at the loans. Current plan is the Dave Ramsey snowball method and it has helped me get more focused and pay off my loans in a more systematic manner. I am paying the NJClass loans and Great Lakes which are in my name and paying the minimum on the Direct Parent Plus Loan which is in my mothers name. I cannot take on more students or work anymore because I work 7:30-5 then tutor from 6-9 then also go to graduate school part time. I am also looking to move out to an apartment with my gf during the summer in order to save the relationship with my parents. We are at each others throats and I cant stay anymore, plus I would like to take the next step with my gf of 6 yrs and get married. Currently owe a total of 127K in student loans spread across three lenders after paying off 40k already25m, live at home and pay around 500month to help with expensesinsurance at homeEmergency fund: 2,000 Roth IRA: 5HESAANJClass Loan: 27,91511,609.118.374,893.988.6711,412.008.34Great Lakes: 17,917.83 Direct Subsidized Stafford: 1,544.365.75Direct Unsubsidized Stafford: 1,092.756.55Direct Subsidized Stafford: 2,451.705.35Direct Subsidized Stafford: 3,894.244.25Direct Subsidized Stafford: 432.324.250Direct Subsidized Stafford: 4,730.003.15Direct Unsubsidized Stafford: 1,907.616.55Direct Unsubsidized Stafford: 1,795.996.55Direct Parent Plus Loan: 83,410.46 20,312.557.918,542.257.942,624.297.9How do I move on with my lifemove out, save for ringwedding while paying off my loans? Is there anything I can be doing better? Please help! Thank you!  <response>: How do I move on with my lifemove out, save for ringwedding while paying off my loans?It sounds like youve really aggressive about paying these off, but I think you should examine the possibility that you may not be able to afford the ring or wedding that you are envisioning i.e. the kind that really requires saving up for. 