<prompt> Human: To start off, Im lucky to even have a job after college because I know too many people that havent and either went back to school for more debt or worked some job theyre obviously overqualified for but have no other viable option. I realize I wont have this salary forever and its in Engineering what I majored in so the money will come later. Its starting off that seems unmanageable to me. I have 32,000 in my name and the other 200,000 is from parent PLUS loans. Mom is unemployed and dad is in an unfavorable financial situation and cant make any payments. Since they were the ones to take out the parent plus loan, it would affect them if they didnt pay it. Since it was my education, my experience, I could have gone somewhere cheaper, etc, I feel like its my responsibility to take care of it. With their permission I refinanced the parent plus loan 200,000 to a 25 year level plan of 1400 a month. The loans on my name subunsub are the remaining 32,000 that Ill be paying off for less than 10 years and 230 a month. The 32,000 is on a 10 year graduated plan to help me save as much money as I can in the beginning while not putting off the payments for too long. My reasoning behind the two options was this: Although the parent plus loan is 25 years long and 1400 is hard to pay every month, it wont always be this difficult due to pay raises, salary grade increases, bonuses, and the like. With that logic, I will be able to pay a little extra as soon as I start earning more money. I financed the 32,000 for a graduated 10 year plan starting at 230 a month because thats what I can afford right now without going to a much higher interest 25 year plan. 32,000 is not difficult to pay off in 10 years. If I can pay extra down the road, for example in a year when Im done paying my car off, itll chip away at my principal which will slowly but surely decrease the total amount of timemoney I have to pay.My rent as well as utilities will be cut in half when I have someone move in with me next month. Ive asked my place of employment for extra hours because Id be willing to work weekends to make a little extra money. Unfortunately thats not a possibility since funding is scarce in general and especially so for people looking to work overtime. They dont want me getting another part time job because that would require me to get another W-2 and would mess with company policies, yadda yadda. A co-worker suggested I take up something non-taxable like babypethouse sitting and other random jobs because even if its only 100 a month thats another 100 in the bank that I earned and that I can either apply to my emergency fund or my loans. Based on that information, Reddit, do you have any other suggestions as to how I should tackle this? EDIT: Monthly income 3500Rent w.o roommate 980UtilitiesBILLS no cable 500Car Payment Until 07.2017 243Total Student Loans 1700EDIT updateIm not international, but out of state. I was at Purdue for 4.5 years but also took summer classes for two summers to speed things along. I switched majors about a year and a half in. For all the 10 second Google Sherlocks, 28k is much less than the actual price of going to Purdue. There are a lot of hidden costs to going there which is why I feel responsible for paying the loan and not saying fuck it and letting my parents deal with it. I didnt have a car until I got out of college and if youve ever been to Purdue, you cant get anywhere without it and not waste a ridiculous amount of time public transport sucked off campus. So that explains my lack of job for the most part. Any campus job I had was too low wage to consider putting toward loans especially since I didnt realize the effect it has. My parents never went to college and they moved to the states when I was young so that I could at least get into college and have the opportunity for a good education. Im incredibly grateful for everything they have provided for me, even if they couldnt pay for college or even a shitty beater car that I have now. Call me whatever you want, but that does not aid in my situation where I asked you guys if you had any suggestions as to how to deal with this. A few of you were kind and gave me solid advice that I hadnt thought about before and I truly appreciate it. Now that we got that out of the way, it is what it is. I cant change the past and Im dealing with the present and future. Update 2A lot of you are asking me if I am eligible for IBR or PAYE. The biggest part of the loan is the parent plus loan. I asked my borrower service Great Lakes and they told me it is not eligible for those repayment options. The company I work for is also NOT eligible for Loan forgiveness.  <response>: on the positive side, that 232k of loans got you a job making 64k a year. it could be worse. that roommate is gonna save your ass. sounds like with a roomate, youll have about 800 bucks to live off per month with which you can keep floating on. if that roommate leaves, youre boned as they represent 740 monthly income. take a look at your tax situation with the student loans. you might be able to adjust your withholding.. or leave it alone and get the big refund and roll it into the master plan. i like the idea of being an SAT tutor either freelance or through a kaplan type place if you qualify. i think you can make 15-20hr doing that adding some income. advertise on craigslist, look at not just the local area but using some webex type online tutoring too. debtwise, id tackle the car loan first. say your other bills are 600. that leaves you with 200 whatever else you can earn. are you able to be strict on a budget and not spend whats in the bank account? if you are, id favor flexibility for emergency by saving the money until you have enough to pay off the remaining car loan. it leaves you with some safety net if the roommate leaves or some other emergency occurs. otherwise, if car loan is about 3200, 243200 pays it off in 8 months. that buys you space if the roommate blows out of town to stay afloat. if your other bills are less than 320, youre at least dead even. now tackle the 32k. save your bonuses, raises, extra cash from roommate or side jobs, shoot it over to another savings account so you dont see it. pay mins until you get enough to pay it off, use this fund as your emergency fund but that hardest part is going to be remembering that its not yours.. that your owe it and keeping that live like a student mentality. once you clear that 32k, itll take 5 years unless you get big raises, bonuses, have no emergencies, roommate sticks around, etc.. now youre left with the the elephant, the 200k loan. i think you treat this as a mortgage and make your peace that youll be renting for a long time. pay the min, refinance when you can, start saving for an emergency fund, start saving for retirement. assuming your income has grown, expand your lifestyle a bit, hope you find a guygirl with no debt and a nice income to help you out : 