<prompt> Human: I am currently in an overwhelming financial situation so this might be a tad long but I really need some advice. Here is my situation: I turn 25 in August. In may, I graduated with a Bachelors degree in Secondary Education: Biology. I start the first real and meaningful job of my life in August on my Birthday : .I will be receiving a salary of 36k. I am guessing that my monthly checks will be 2200-2300 after insurance and taxes. Last summer, my grandfather passed away and left me his house. It is still in my mothers name but everyone knows that the house is mine. The house is worth around 200k as is. After finishing the basement and completing some other work on the house, it should be worth between 250k and 300k completing this work on the house is a long term goal. I currently rent the house out to my uncle for 650 I would charge a stranger around 1100. Now this is where it gets a tad tricky... My mom owes around 45k on a loan that is currently leaned against my house. Im not sure what the rate is, but I know it is wicked low. I owe 50k in student loans. Part of this debt is through Sallie Mae 30k and the other portion is through the Federal Government 20k. I also owe around 25k to my parents for moneybills that they have helped me with since I graduated high school. The other night me and my mom had a discussion about her paying paying off in cash the difference between the loan on the house and the money I owe her and me taking over the loan that is leaned against the house as repayment to her and my dad. I would like to consolidate my school loans with that loan if possible? and have this one new loan leaned against my house so that I can have the lowest rate possible. Also, I am a middle school science teacher, so a good chunk of my student loan debt should be relieved by the government unless I am mistaken. Finally, I just recently financed a 13k used Subaru. My rate is 10 and my payments are 263mo. Other than helping out my girlfriend who is still in college pursuing an education degree with a little cash from time to time, and not having to pay rent or mortgage, all of my other bills are pretty standard.I need general advice about what decisions I should or should not be making in the coming months and years. I need advice about consolidating my loans. I need advice about getting as much of my student loans relieved by the government as possible. I am feeling very overwhelmed by my current situation. I dont know if I am in a good or bad financial situation. In spite of my debt, I believe thy I am in a position to save money due to the fact that I dont have a mortgage bill and am currently collecting rent. Any information or advice is very very appreciated. Thank you in advance! Edit 1: My mom is adding my name to the house in the next week or two. And the plan has always been to take her name off when I am financially stable. Edit 2: For clarification, there is no mortgage. The payment for the loan that is leaned against the house is 400month.  <response>: Rent one of the rooms in the house out to a stranger and charge him 1100 or whatever. Tell your uncle sorry but you need the money. 