<prompt> Human: I never thought to look to Reddit for PF advice until I came across this sub this evening. I am a recent college grad and received my Bachelors back in the Spring. I accepted my first real world job and started in July making 41k at the entry level. As I mentioned in my above post, I have about 80k in student loans. I am currently in the 6 month grace period before the loans kick in with the first payment due in January.I moved back in with my parents for the time being, and am debating between a few different life styles.Option 1:Dumping all of my income as much as humanly possible, paying for the bare essentials of life towards my loans and living with mom and dad for the next few years. This obviously seems like the most financially responsible model and will lead to the quickest repayment time.Option 2: Pay only the basic amount due for the 10 year period of my loans. This would give me more to spend and set up my retirement accounts401kan overall more comfortable life style not over the top. I view this option as financially responsible as well because either way, I will be paying the loans back.Option 3A hybrid of the two above options. Dump my income into repayments and then trim back the payments after a few years or maybe keep them the same depending on the jobincome level situation.I am leaning towards option 1, I hate the feeling of being in debt but am not sure what the wisest option would be or maybe someone who has already been through this can provide me with some guidance or things they would have done differentlywish they would have known.Thank you very much for reading, I really appreciate any response!!!Assistant: what are the rates on your loans?Human: I locked in at a fixed of 7.2  <response>: at that rate, i would pay them down as aggressively as you can. 