<prompt> Human: Hello rPersonalfinance! I have been following this sub for years in preparation for my graduation and eventual repayment of student loans, as well as for general financial advice. Hopefully you guys arent too sick of the student-loan posts. Debt:I graduated in May from a private school with around 85,000 in student loans. I owe 34,704 4.3 in my own name, and 50,584 6.7 in my mothers name in the form of Parent PLUS loans. My mother cannot afford any payments on my loan, so I will be paying that full amount as well. I know generally that is not the best idea, but it was the only way I was going to go to the school I wanted, and it ended up turning out well for me. Income:I recently accepted my first job, paying 65,000 per year, or 2,500 bi-weekly. This is in my hometown in the Midwest where costs are generally low, and I will be able to live at home for as long as I see fit. There are also bonuses given out at the end of each year, but I am not including those in my income, as they are not guaranteed. The position also offers a 401k match that will contribute 7 so long as I contribute 6. The plan:As per the side-bar advice on How to handle I am planning on saving towards my emergency fund the first couple months of work before my loan repayments kick in. However, Im unsure what the amount should be. The guide suggests 3 to 6 months expenses, but living at home I will have very little expenses besides loans and money to run around on. Would 3,000 be enough? After I begin working I plan on contributing 6 of my income to my 401k so I receive that 7 match woohoo free money!. After my 401k contribution and taxes I estimate my take-home pay will be around 1,700 every two weeks, or 3,400 monthly. After paying for monthly parking and gas, I estimate my monthly take-home will be around 3,100.With this remaining 3,100 I planned on tackling my loans using the avalanche method. This would mean attacking the 50,584 6.7 first. My question is regarding the length of the term I should choose. If I choose 120 months on that loan, my monthly payments would be 580 per month, which I would add more onto. In the meantime, I planned on paying the 34,704 loan 4.3 over 300 months, and paying the 152 per month until the higher interest rate loan is paid off. Is this a logical decision? Pay the 4.3 interest rate loan at the minimum amount of 152 over 300 months, while throwing around 1,800 per month at the 6.7 interest rate loan? This would allow me to keep 1150 per month for savings and to still spend some money on things that I want to do hanging out with friends, saving for a new car. Goals for the near future:I currently dont owe anything for my car, but it has over 170,000 miles on it and is barely limping along. I would really like to save up for a more reliable used car within the next year. I would also obviously like to move out on my own as soon as possible, but want to be financially stable first. Would paying off the high interest rate loan and then moving out and continuing to pay on the low interest ratesmaller principle loan make sense? Conclusion:I have what I believe to be a reasonable plan laid out, but am unsure the best format to quickly pay down my loans. Can I pay extra on the minimum amount of the high interest loan each month, or is it better to make extra payments? I want to achieve my goal of moving out on my own and having financial independence as quickly as possible. TLDR; Student loans of 34,704 4.3 and 50,584 6.7, income of 65,000yr. Attempting to formulate the best strategy to kill these loans, but also not live at home for the next 5 years. Assistant: Unless you get married live at home until the loans are paid off. Great incentive to get them paid off ASAPHuman: Ugh, but MOM! In all seriousness, you are probably right, it would just be nice to get out of the house after a couple of years.  <response>: Use getting out as a reward for getting debt paid off. Just search reddit for student loan horror stories. Many people have become indentured servants to their loans. 