<prompt> Human: Hello PF, I will be graduating May 2017 with about 120k in debt from student loans. They are through the government. I believe my parents have looked into refinancing them to reduce the interest payments. Currently at 6-7.I also know I will have to purchase a car when I get a job. So I am estimating these expenses for myself while living at home:Car payment: 150mo, Car Ins: 100mo, Gas: 100mo, Phone bill: 60mo, Misc personal: 100, These are just rough estimatesNot sure what else I may have to pay for.I may be kicked out of my house in less than two years, so I am also curious how I could afford to live on my own and pay off student debt.What would be my plan for getting rid of this debt?Any other help is greatly appreciated. edit: I am an IT major, I guess low ball estimate on full time job out of school would be 45kyear? Not a CS major nor am I going into software dev.  <response>: Income would be pretty helpful... 