<prompt> Human: Ill give a little background: I am 23 years old American and just got a job that will pay 28,000 annually. I have 3,000 in credit cards that I need to pay off first before I can even begin to worry about the 25,000 dollars in student loans. I also look to have about 2 to 3 years of school left since I am starting in another degree.Back to the question. Since I dont have to pay minimum payments because Im in school, when should I begin making payments for this loan? I have minimal bills since Im still living at my parents and will have about 900 dollars a month that I can use for debt repayment. Any help would be appreciated.  <response>: The best and least fun answer is as soon as you can. I would definitely take advantage of the fact that you live with your parents and use that 900month to attack your debts vigorously.So you have 25k in loans now - how much are you going to have when you graduate? Can your postgrad job field salary justify the cost? After your CC debt is gone, begin paying off any unsubsidized i.e., generating interest right now student loans as soon as you can - highest interest rate first. If you get to the point that you just have subsidized loans and are still in school, it would be best to just pay for your tuition in cash upfront - so as to avoid taking more unsubsidized loans. Let the subsidized loans drag out until after youre done with school since youre paying no interest on them. Assuming you have better earning power with your future degree, it doesnt make a lot of sense to pay those now. Feel free to post specifics about your debt and you will get more accurate advice.Good luck! 