<prompt> Human: Hello everyone! I need a bit of advise.I have had a job as a School Administrator for the last six months which pays 16hr. I graduated with a BA in Psychology a year ago and have been trying to pay off my student loans ASAP, but im finding it hard to balance having any kind of savings and making loan payments. Here is a breakdown of what Im dealing with: I bring home around 1900 a month working 8-5 M-F - Monthly Expenses Ex: utilitiesrentgaselectric: 350mo - Loans: 39,200 total - 9000 Perkins loan subsidized - 5 interest - 13251.57 in federal loans unsubsidized - 7 loans total make up this amount - some loans have 6.8 interest, some loans have 4.6. - 16948.46 in federal loans subsidized - 5 loans total make up this amount - 3.8-4.2 interest I looked into refinancing my unsub. loans w higher interest rates, but I dont have anyone I could co-sign with, so I havent been able to get approved even though I have a great credit score. Because I really wanted to have my loans paid off in 3 or so years, I have been paying 1235 a month towards my loans, which leaves me with 665 to work with. After paying bills, Im left with around 300 a month which doesnt get me far. There are not many high paying job opportunities where I am from and I took this job because it is great experience for the field I want to get into, but I dont know how to pay off my student loans and have a savings at all.I could really use advice on what I should be prioritizing.  <response>: You should be prioritizing your highest interest loans first.Pay minimums on all loans and pay extra on the highest interest loan.Wipe out all the loans with interest rates 5 or higher.Then build an emergency fund.Then start contributing to retirement.Then get rid of the lower interest loans.Good luck. 