<prompt> Human: I apologize ahead of time for the long post. I want to provide as much information as possible in order to receive the most accurate advice.First, please dont give me a you shouldve done this instead speech. I have heard it and given it to myself enough. I have also accepted that I have gotten myself into this situation and it is no ones fault but mine.Heres the background information:I live in the United States and went to a well-known university. I come from a middle class family and did not have a college fund. Unfortunately, I thought it would be a great idea to go to an expensive university regardless of no college fund and pay for everything with student loans. I went the full four years, and graduated with a degree in Human Biology. I got a Human Biology degree because I thought I wanted to become a doctor. Realistically, I was interested in science, but I think I just told myself I wanted to be a doctor in order to justify taking out a shit ton of loans for college because, hey, all doctors are buried in debt, right?! Why not just start the debt off with undergrad too?! That way I can still get the away-from-home college experience and have tons of fun! Sigh, young ignorance.Well, after four years of shadowing doctors and then graduating, I came to the conclusion I did not want to commit to medical school because I did not want to live the life of a doctor. I also needed to start making money. So, I decided I would combine my science degree and natural social skills in order to pursue a career in medical sales.Thats when I found a sales opportunity in a startup company near me. The company is not in the medical industry, but I figured it would be a great way to gain experience in sales and the risk may be worth the reward. Ive been there since August 2013. Management has shifted around and were now at a time where I think it will truly get big. I have moved from a sales position to an administrative position because the company really needed me there after an employee left. However, I have been promised that after we land this big account and get processes going underway for it in January, I will be given a role on that account and my pay will significantly increase through the grape vine Ive heard numbers like 65-70K, but I obviously cant bank on office gossip. Therefore, I am giving the company until January or February 2015. If I dont have a pay raise by then Im out.My jobs hours are a standard 9am-5pm, Monday through Friday. With my current starting salary, I take home 2,330.74 a month after taxes. This totals to 27,968.88 a year.For my living situation, I am back in my parents house since graduating. I am fortunate enough to have loving parents who have told me countless times that I can stay with them as long as I need to in order to get myself financially straight. This means I dont have to pay for food, rent, and other costs of living.My debt consists of student loans and an auto loan. All of my student loans are through Sallie Mae. The following is the current status of my PLUS loans, which are co-signed in my mothers name:Direct Parent PLUS at 19,502.18 with interest rate of 7.65Direct Parent PLUS at 19,245.76 with interest rate of 7.65Direct Parent PLUS at 18,860.66 with interest rate of 7.65Direct Parent PLUS at 2,696.21 with interest rate of 7.65Direct Parent PLUS at 18,564.63 with interest rate of 7.65TOTAL PLUS LOANS: 78,869.44I have made consistent payments on these loans since December of 2013, when my grace period ended, and I am now making a monthly payment of 618.38 with about 118 going towards the principal and 500 towards interest. This is with a 25 year repayment plan. I switched to this from the 10 year repayment plan, because otherwise my payments were a little over 900 a month.Here is the list of student loans solely in my name:Direct Unsubsidized at 6,874.38 with interest rate of 6.55Direct Unsubsidized at 8,377.61 with interest rate of 6.55Direct Unsubsidized at 4,057.56 with interest rate of 6.55Direct Unsubsidized at 1,062.37 with interest rate of 6.55Direct Unsubsidized at 1,038.42 with interest rate of 6.55Direct Subsidized at 2,697.50 with interest rate of 3.15Direct Subsidized at 2,697.50 with interest rate of 3.15TOTAL DIRECT LOANS: 26,805.34I have made consistent payments on these loans since December of 2013, when my grace period ended, and I am now making a monthly payment of 176.30 with about 44 going towards the principal and 132 going towards interest. This is with a 10 year repayment plan. For both loans I have done the automatic withdrawal option in order to receive a slight reduction in my interest rates.CURRENT TOTAL STUDENT LOAN DEBT: 105,674.78 ouchFor my auto loan:The principal balance is 14,686.22 with monthly payments of 258.85 at an interest rate of 2.84TOTAL OVERALL DEBT: 120,363 even more ouchOther than my loans, my monthly expenses are as follows:Auto Insurance: 105.7Contribution towards family phone plan: 25Haircut: 30 I know this is high, but Im insecure about my receding hairline and have been getting my hair cut by the same person who works at a nice salon since I was 16 and going to her helps a lot with my confidence because I am always happy with the results. To me this is worth it. Im just being as honest as possible with you guysGas: 60Social: 200-300 This is the hardest one for me, as Im sure it is with most people. This may seem high but its more like my ideal number than reality because I always end up surpassing it. My will power is awful when it comes to saying no to social activities; regardless of cost. Im a very social person with a lot of friends and being withgoing out with them is something I love and makes me happy. Unfortunately, I always end up breaking my budget over it.TOTAL MONTHLY EXPENSES: 420 to 520TOTAL MONTHLY EXPENSES INCLUDING LOANS: 1574.23MONEY LEFT OVER PER MONTH AFTER EXPENSES: 756.51Within the last month, I have just reached my goal of saving up an emergency fund of 5,000.After reading this far, you may ask why I havent gotten a second job. Well, since January 2014 I went through a variety of health issues that did not permit me to do so. However, Im much better now and I think this is an option at this point. I have about 4 years of experience serving tables and I may try to find a second job doing that during weeknights or on the weekends, or maybe try and become an Uber driver or something. I think another element of this is that it has also taken me a little over a year to break out of denial of my current situation and accept that I need a second source of income. Badly.I know that I should live frugally, which means I seriously need to work on my will power. I know I should also attack the loans with the highest interest rates PLUS Loans, but with my current position in a job where Im not paid much and Im simply waiting and hoping for things to pick upits difficult to allocate extra money towards them. Should I consider an income based repayment plan? Or keep how Im going, get a second job, live frugally, and hope my 9-5 job does actually increase in pay by January?So, there is my story. If youve made it this farthank you so much. If you have any advicethank you even more. It would mean the world to me. I dont really have anyone to go to and the reality of this situation throws me into extreme waves of depression and anxiety. I want so badly to be independent financially and out of my parents house. I also want to end this feeling of barely keeping afloat and that Im stuck in a rut forever. It took me over a year to build up the courage to write this post and Im ready to make some serious changes. If you have advice, please provide it.EDIT: Sorry it has taken me a few days to get back to this, but I just want to say thank you so much for all the advice and direction you guys have given me. After reading the comments, I have contacted my friend who works at a restaurant near me and he said he can get me a job serving tables a few nights a week. I figure I will be able to make an extra 150-300 a week doing this, and it will also cause me to cut down on my social budget. I am also going to start off with the Snowball method to tackle some of the smaller Direct loans with my remaining income from each month in order to get the ball rolling and get the positive emotional drive to keep motivated in getting myself out of this hole. After I knock a few of those out I am going to stay focused on the PLUS loans because it just makes more sense to work on them since they have the highest interest rate. Im going to use tools like, which were provided below. I didnt know about that website--its awesome. I am also going to stay at my parents place for at least a few more years until my debt is significantly cut. As for my 9-5 job, I know a lot of people are telling me to get a different job right now. I am going to stay at my current one until JanuaryFebruary 2015 because if this company does work out, Im at the ground floor and in a great spot to rise with it. If things dont change for the better like I have been promised, then Im out. Again, thanks a ton, guys. I needed the guidance and kick in the ass this gave me. For anyone else in my situation; just dont give up, youre not alone.  <response>: All good advice. Break all your debts down like you have and FOCUS ON ONE AT A TIME. By doing thing you can realistically pay off one loan at a time which provides almost instant motivation to keep going.You say you have 756 pm left over. If you take your loan named Direct Unsubsidized at 1,038.42 with interest rate of 6.55 you can pay this off in 2 months. Then move onto the next one. Print this and tape it to your mirror so you see it everyday:Direct Unsubsidized at 1,038.42 with interest rate of 6.55FOCUS FOCUS FOCUS.Good luck dude! 