<prompt> Human: Im 28, just graduated from a professional school, 2 months into my job, my monthly take home is about 4.5k - 5k a month but this varies depending on how many shifts I work per month. My income should also increase annually as my career progresses. Interest rates of my loans varies from 3 to 7.3. I currently have 5k in a HYSA ally and 8k in my checking. I am not eligible to contribute to my 401K until I work at least 1000 hours. I am on a 25-year loan repayment plan and enter repayment this month which is 1,200 minimum monthly but plan to pay more towards the higher interest loans with whatever extra I have left at the end of each month. No car or CC debt. Only debt I have is my student loans. I want to pay this off ASAP but at the same time I want to save on the side for future investments as well house. The following is the breakdown of my expenses: Student Loans - 1200month Rent - 400month living with family atm Cellphone - 60month Gas - 120mo FoodGroceries - 200month Other expenses - 200monthAssuming I take home 5k monthly on average, I would have around 2820 for personalextras. I plan on putting 1,000 of that towards my savings every month EF, house down payment, wedding and another 1,000 towards my highest interest loan until it is paid off. That gives me about 820 for misc stuff.Do you guys think this is a good plan or am I blind and missing something here?Thanks. Appreciate any feedback!  <response>: Paying off your loans will yield you a better return on your money than just sticking it in your ally account. Also the more debt you have, the harder it will be to qualify for a mortgage. You goal should be to clear out the debt asap or at least the highest interest loans. 