<prompt> Human: These things make up a majority of my debt, I bring home roughly 1,880 a month after taxes. I really want to start contributing to retirement, but these things are really getting in the way of my planning for the future and Im hoping someone might see some options that I dont see right away. Im thinking about picking up another part-time job, but I would really like to just keep with one full-time job that sometimes requires overtime. Private Student Loan 63,584.72 w 9 interest rate 554.22 monthUS Dept of Ed Loan 28,278.92 made up of two loans, 135.23 a month pays for both A. 3,301.99 6.25 int rate B. 24,457.13 6.375 in rate. Credit Card Debt 5k Im focused on paying this off little by little each month, moving to a new citycar repairsgas is the bulk of itRentUtilities 450mo.Edit: Thanks for all the feedback even the sometimes harsh, but true ones! Currently, Ive decided to apply for a few part-time jobs on the side and look for higher paying jobs during my off-time. I also realized Im just a few months away from my 1-year review, so I might see about renegotiating then as well. Also, Im going to look into my W-4 to find out whats happening there to see if there is some to save there. Edit: I currently have IBR for my federal loan. The private loan lender doesnt offer that. Assistant: Short of getting a better paying job, you are pretty much screwed. What kind of a degree did you get, and can you use it to get a better paying job? As far as retirement saving goes, you can never expect anything to beat the 9 interest, so that would be my first and only focus after you get rid of CC debt. Human: Public RelationsAdvertising - Im in the journalism field right now getting specific industry experience, so Im hoping that helps in the long run when applying for higher paying PR jobs.  <response>: Youll have to jump around from job to job, slowly increasing your wages. You need far more income, and that interest rate is horrendous, so youll want to put a lot of pressure on those loans to clear them as quickly as you can. With 36K you cant do that. Youre just paying interest. Even with 45-55K, youre looking at 10 years of pushing those loans.Dont save for retirement, before those are gone. The rates are simply too high to even do a split savepaydown, just push to clear them off. With 400 left over each month, youre going to constantly be finding yourself going further into debt... new tires, small car repair, a few days off sick, or a medical appointment... itll chew up your money and drop you further into debt.. 