<prompt> Human: my credit score is 600 due to horrible financial planning missed credit card payments, late phone payments, credit debt. I am looking to get back on track and need some advice as to what to do with the money that I do have. my student loans dont kick in for another 2 months at the same time I start my new job. I am a recent college graduate and my current job pays 10 with no restrictions on the hours I work. my expenses per month total approximately 900 which includes utilities, groceries, internet, car expenses and random expenses. I also currently landlor which provides free housing for me and my younger brother who I care for. I only have one credit card which is a secured credit card with USbank with a credit limit of 300 and I have no credit card debt to speak of. I just need help figuring out how I can improve my financial sitaution. Ive struggled to identify realistic goals for saving money and building my networth. any advice would be greatly appreciated. thank you. Assistant: Sorry about the vague description. I was a bit rushed posting this but here are the details. My 30K loans are 6.8 interest over 10 years. The payment period begins in june which coincides with my official hire date at my corp job which pays 54k per year.expense breakdown: 350 utilities which includes electricity, water, gas. I live in an old house. No rent. 90 monthly cell phone bill for family plan. 350 groceries. I have two younger brothers who live with me100 Car insurance8 netflix. 150 random expenses home supplies, food out once in awhile, brothers allowanceI dont really buy clothing and rarely go out since Im work a considerable amount of hours. I currently make 10hr at my job in the meantime but I am allowed to work an unlimited amount of hours so I can work 60-70hr weeks. I make approxiamtely 1900 a month. My landlording will end in august of this year forcing me to seek alternative housing arrangments. I do not have offical custody of my younger brother but Im in the process of obtaining legal custody.  <response>: At that interest rate, your best plan of action is to drive down that debt, ASAP. Id set aside an emergency fund of 6 months living expenses, and then use any surplus to pay down your student loans. After that, divert anyall surplus to paying down that debt. That said, make sure you dont leave a 401k match on the table, assuming your new job has one. 