<prompt> Human: Hi Reddit,Im a recent college graduate who very luckily got an ok paying job right after graduation. Salary of 45k. Making around 2,800 monthly w taxes deducted, have been religiously saving 2k every month since May. I still live at home with the birthgivers, so I am very lucky regarding the rest of my finances. Im trying to hoard my money for the time being.My loans are currently around 22k, with 1,300 already accrued. My interest accumulates daily. Interest rate is around 4.5.My first loan payment is due this January and the minimum payment for me to pay it off in 10 years is around 260 monthly. This is doable but I do not want to spend the next 10 years paying off my loans.By December accounting for Christmas gifts, possible unforeseen car issues, etc, I should have about 14k in my savings.Should I bite the bullet and put anywhere between 5-7k to my loans or up my monthly payment by 350-450? Im the first to graduate in my family, and the first to acquire student loans. Neither my family or friends have any experience in what to do...I would really appreciate any kind of advice.Thank you in advance! So nervousexcited.Edit: Forgot or Edit: Jesus, I didnt expect this many responses! Thank you so much you guys, Ill try to respond to as many comments as I can. Youve all given me a well-rounded explanation and mentality toward paying my loans. Thank you x100!  <response>: I would put less towards savings and throw as much as you can at the loans. The interest rate on your loans is losing you more money than your savings are gaining. 