<prompt> Human: Im a recent college graduate with a good job but like most Ive encumbered a significant amount of debt 100k in both Government and Private loans. I thought I had a good plan figured out until I found out that Im getting absolutely engulfed by my Private loans with their interest rate. Should I refinance the Private loans or both Government and Private into? What are the best means of going about this?Income: 75,000, Free Food M-F 3 meals a day, Annual bonus 10,0005k emergency fundGoverment Loans: 22,000 3.86 - 4.20 interestPrivate Loans: 87,000 9.115 - 9.990 interestExpenses:Item CostMonth------Rent 1,500Food 200EntertainmentSpending 200Medical,Vision,Dental 100Transportation 80Total 2,080.00My plan was to pay minimum on Government loans while paying as much as I can on Private loans. Any insight into an approach to break this down and steps to creating a plan moving forward?Assistant: Your rent is really expensive. Not sure where you live or if you can do anything to ease the amount, but Id start there.Loan strategy? Id try to get the private loans refinanced at a lower rate. Then put Federal on the graduated repayment schedule while putting all available resources into the private loans.Human: I live in San Francisco which is why the rent is so high. I have all utilities included in the rent which is good but havent been able to find a cheaper opportunity.  <response>: Thats pretty cheap for SF! :O 