<prompt> Human: Hi all,Im 25 yo and just began a job with a starting salary of 160,000. I have no investments or other sources of income. I also owe 335,000 in student loans, which financed the necessary education to get this job in the first place funny how that works out, but sadly its not uncommon. My student loans are the only debt that I owe. Some loans are private and others federal. Heres an exact breakdown of the principal and corresponding interest:28,785.00 8.0 private21,733.00 9.5 private26,908.00 11.0 private7,735.00 9.125 private - these first 4 loans I took out during my first years of college, when I wasnt a citizen yet and couldnt obtain more favorable rates29,666.59 4.11 federal60,321.98 7.9 federal45,000 6.8 federal25,877 6.41 federal4,500 6.0 federal4,500 5.6 federal20,500 5.41 federal5,500 4.5 federal the principal amounts to 281k, the remaining 50k ballooned from accruing interest.rpersonalfinance, I need your help about the best course of action to take with respect to paying off this debt. Heres a breakdown of my monthly, post-tax salary, subtracted by sunk costs rent, utilities, etcMonthly, post-tax salary: 7600.Rent: -1825Utilities: -200Groceries: -300 After sunk costs, Im left with 5,275 for simplicitys sake, lets say 5k. How do you think I should allocate the remaining funds bt paying off debt and saving for the future? I havent put anything from my salary towards the 401k, thinking that loans are a priority and should be paid off first. Plus, my employer does not match my 401k, which is a further disincentive. Do you think thats a good plan, or should I at least have some money saved up, either in a 401k or something with more growth potential, like an index fund? Likewise, do you think that refinancing the private loans, especially that 11 interest monster, is a good idea? I do have good credit other than the debt, as Ive been punctual with paying off bills fully as they became due.I sincerely appreciate any advice or help you may offer. Even if you dont have time to respond, I would be very grateful if you could point me in the right direction for useful information a book, a blog, any source that could enlighten me about this situation. Im just starting my career, and I want nothing more than to make the right financial decisions for my future.Thank you in advance for your time!EDIT: Linebreaks. Thanks, LineBreakBot!  <response>: Pay it down asap. Remember the burnout rate in big law is huge. 