<prompt> Human: Hey Everyone,So I have a ton of student debt that I need to pay off and I am really nervous about how much debt I had accumulated. Most of the loans are from private loans and then about 30,000 of the loans are Federal Loans. The loan interest rate average is 8.5. I was thinking about doing a loan refinance through a company like Sofi. It says that the interest rates can be as low as 3. Ideally, Id like to pay off my loans in 10 years but I dont even know if thats possible. I really need a plan to get rid of all this debt. I am 23 and I just graduated college. I was fortunate enough to immediately get a job. I make around 70,000 a year. My take home paycheck every two weeks is around 1,700 because I contribute 6 to my 401k. I dont pay rent because I live with my parents. The following is an estimate of my expenses: Gym - 125 Its a lot because I have a boxing gym that is 99 a month and a weightlifting gym that is 35 Groceries - 160 Gas - 80 Phone - 40 Eating Out - 100I really dont go out much so my expenses arent too high. I mainly spend money on food and fitness. I just started my job so I really havent gotten a good look at what my true budgets will be with this pay but I dont think Ill change my spending habbits at all. What do you all suggest I do so I can pay this student loan debt?Thanks!  <response>: Gym - 125 Its a lot because I have a boxing gym that is 99 a month and a weightlifting gym that is 35Math? 