<prompt> Human: Hi rpersonalfinance. Ill try to keep this post as brief as possible, but I really need some advice on what to do. Ill list out my figures and then ask my question.Debt: Student loans: 117k mix of federal subsidized and unsubsidizedCredit cards: 600Car loan: 700 93.56 per monthBills:Rent: 530 my husband pays the other 300InternetLocal Channels: 75HeatElectric: Average 120Gas: 160 GroceriesEating out: According to my mint, I average around 389 per month in this category.Bank balances:6900 in my primary checking879 in my joint checking used to pay rent and cable2400 in savingsIncome:After taxes and a 2 401k contribution thats not matched because my company sucks, I am taking home around 2400 per month. I just got a promotion so that should go up to about 2600 per month with quarterly bonuses of 2000.Other information:My student loans are in deferment as Ive been taking two community college classes per semester, but Im tired of staying in school. I filed for an IBR not eligible for the pay-as-you-go plans, but Ive yet to hear back what my monthly amount would be. My husbands income is about 1500 per month and he takes care of his credit card debt, our car insurance, and our cell phone plan. His student loans are also in deferment for the time-being. However, his situation is far more dire. He lives paycheck to paycheck and my savings effectively acts as a safety net for the both of us.Job-wise, were both in the IT field, but hes just starting and Ive only been in the field for about two years. I feel like I cant stay at a job for longer than six-months to a year because of my student loan debt and its starting to freak me out. Im just not sure what to do anymore. TL;DR: I start a new job tomorrow that makes 41k base with 8k in quarterly bonuses, but I have 117k in student loan debt thats in deferment. I want to start paying on them, but my husband barely makes enough to cover his expenses. Im worried my paltry emergency fund will just dry up. Any advice?  <response>: That seems really low to me - Ive been in technology since 90 and I was getting paid thirty-something in 91 as a fresh-out-of-school programmer at a tiny little company in a college town.Just remember - for your next job - once theyre making an offer, they want you. Start negotiating. Get the money up, get the vacation up. Theyre both negotiable. 