<prompt> Human: Hi PF! Im on my last year of school and I have 170k in loans from both undergrad and my doctorate. Im young 24 and Im about to graduate and will be making between 100k-120k I figure probably 115k in my area, but I am going to be conservative and say 100k. My problem is that I have no experience in finances, however my goal is to become financially secure. I live in a low-medium to medium cost of living area currently living with my family although Im moving out when I graduate, and Im currently single. I want to place myself in a situation where I can get rid of a lot of the debt and start a family eventually.Here are my current loans with the last two my current projected amounts for next semester. These are all federal loans subsidized, unsubsidized, Direct PLUS grad.How should I approach these? Should I target the 7 loans first to bring my interest rate average down to below 6? Should I consolidate or try seeing if I can refinance through a private company? What can I expect to see?. Nelnet the loans servicer, currently has the loans listed with a due date of 02092021 and 03092021 although I assume it will be pushed back once the next semester starts. Should I try to get these kicked out in the five years they have listed or should I try to push it back to 7 or 10?  <response>: Maintain your current standard of living and pay off your loans in ... 3 years?Should I target the 7 loans first to bring my interest rate average down to below 6?Yes. Put anything youre paying beyond the minimum payments toward those loans. Dont worry about the advancing the due date vs reduce principal arguments, its all applied exactly the same for these loans.Should I consolidate or try seeing if I can refinance through a private company? What can I expect to see?.No. Federal consolidation wont help you, and itll lock your interest rate at the weighted average, so you wont be able to pay down the higher rate loans.Re-financing might drop your rate, but isnt worth giving up the Federal safety net for IMO.Nelnet the loans servicer, currently has the loans listed with a due date of 02092021 and 03092021Thats the date they expect you to START paying. This is based on the school telling your servicer through an automated system that youre still enrolled. Itll get corrected when you graduate. Youll have to start paying 6 months after you leave school. 