<prompt> Human: Hi guys, I want to know if Im making the most out of my very small budget. So I get paid about 13hr and after taxes my checks are about 1600month. I get pain biweekly so 800week and I spend 150month on food and fun, 650month on a zipcar to take me to work in addition to 180month for public transit. I use both transportation systems because its cheaper to split the trip 5050 with zipcar commuter and public transit since I live 35 miles away from my job. My loans are still in grace period but I have federal and salle mae. Ill be getting a full time position sometime towards the end of the month which will make me a salaried employee but not making more than 40kyear. Through the new salaried position I will be able to apply for a certain repayment method for my federal loans since Ill be a state employee which will allow me to only pay about half of my 20k in federal loans over 10 years, barring I remain a state or federal or non-profit employee. My cosigner is paying interest on the salle mae loans until December at which point Ill have to pay 1500 month unless I refinance which I obviously will. This will reduce my monthly loan amount to about 750-800 depending on which lender I choose or which lender accepts my 680 credit score. Basically what Im asking is 1 is this the best budget for me to have given the circumstances? 2 should I risk taking the hit to my credit score and having yet another loan to pay off a car for this extremely long commute 70 milesday or should I lease a car and add to my monthly payments without really investing in anything. Or should I take a small personal loan so I dont drain my savings to buy a cheap maybe 5k car and risk fixing it up more frequently. I do use Mint and PersonalFinance for budgeting and monitoring my investments, I do have a checking, savings, emergency find, and credit card account, one of which is a credit union.  <response>: A 10K loan forgivness? Whooptie doo. Sounds like you need a private sector job making more money. You have the loans of a doctor, this limits your choices.Maybe you need to move to make more money. You need more income. The rest of this is irrelevant, because you dont make enough to handle all this debt. 