<prompt> Human: HI!Intro:I am posting this to both rpersonalfinance and rStudentLoans from a new account just for privacy and anonymity reasons. I am a 2017 Doctor of Pharmacy Grad, 25 years old. I just found work with a salary of 106,080. I graduated in May of 2017, had a 6 month grace period until November 2017. I could not make any payments and therefore had my loans in forbearance until Now april 2018. Income pretax:Annual Salary 106,080Bi-weekly 4,080some more details: I will update with more when requested, I am not sure what is necessary to know- Currently free rent, driving car in my fathers name currently and will take over insurance payment 55mo, have 30month gym payment. Otherwise I do not have many expenses at the moment.- I have nothing saved personally, Made 680 last year in 2017, I lived very low cost since graduation and my Girlfriend also pharmacist has been helping me all this time. I was down to 18 when I found a job, So i am starting from little to nothing.- I posted a screenshot of a loan spreadsheet.- I believe I can be under my parents health benefits for one more year, I have not set up my 401k plan or anything yet, I think i have 90 days before I am even eligible to do so.Right now I just do not know where to start, I am not sure what happens when I call up Salliemae and FedLoans that I have income now and I would like to start paying. If anyone could help me understand the process I would appreciate it before I make the call.Post editscomment replies:1. Just to clarify, Original post had a major typo about income. Made an Income section and deleted some information to make it cleaner2. The federal loans are stafford loansLOANS:  <response>: If you get employer matching on your 401k, please ensure you pay that first. Dont leave future free money on the table.Then take up some of the better advice here on attacking loans by interest rate.I finished off 95,000 in student loans in seven years this year and I never made that salary. You can do it! 