<prompt> Human: Hey guys,This is a throwaway account. I recently got a raise and make 55kyear and Im 24 years old. I havent received a check that reflects the raise, but looking forward to putting that new check towards my loans asap. After reading through these forums, I realize my debt isnt too absurd, and I wanted some advice on how to proceed on my loans, which ones to tackle first, and how to refinance for an even better deal.10022013Direct Sub Stafford LoanRepayment4,886.63 3.86 monthy minimum 56.3010022013Direct Unsub Stafford LoanRepayment1,805.18 3.86 monthly minimum 20.8011162012Direct Sub Stafford LoanRepayment4,862.00 3.86 monthly minimum 54.9711162012Direct Unsub Stafford LoanRepayment1,899.50 6.8 monthly minimum 25.8508302010Direct Sub Stafford LoanRepayment2,084.84 4.5 monthly minimum 24.7108302010Direct Unsub Stafford LoanRepayment771.73 6.8 monthly minimum 15.0908312009Direct Sub Stafford LoanRepayment3,324.52 5.6 monthly minimum 40.9308312009Direct Unsub Stafford LoanRepayment2,365.61 6.8 monthly minimum 30.58Current balance 22,197.75before todays payment of 1,025.87Today, Ive submitted the minimum payment on all accounts, plus paying off the 771.73 loan in full. Additionally, Ive attached automatic payments to the fedloans, so my interest should go down .25 according to them on each loan. My questions and topics I want to discuss:- My company does not match 401k. Im moving funds to a Vanguard account and I deposit 5 of my paychecks to the 401k account.- Im doing the bare minimal health care accounts at about 25month. - Is there a bank I should be working with to get these loans lower? Citizensbank is one that comes to mind, but I want to hear if theres better banks that can take those 6.8 interest loans and decrease it to a smaller size. In general, I want a bank with minimal fees, and that actually want to help me progress in life.. not just be another account .- How much money should I be putting against these loans? I want to pay them off ASAP which means 1-2 years.- How do I balance my loans with life? When would it be a good time to look into investing in a car? Or how do I start saving for a car, while paying off my student loans. Or is it better to just slam dunk the student loans, and freedom will pursue? I was looking at the Tesla Model3 as my first big purchase as an adult.. Is that something that is doable on my salary and my current loan amount?- How do I invest any left over money in something meaningful. I want to feel like I have power over how Im investing, and want tips on how to make the most of my paycheck. Im trying to cut back as much as possible on take-out, and simply grind out until I have no student loans left.Any advice is greatly appreciated. 55kyear doesnt seem like much when I was living in the city.. But now that Im living at home, I can put the money that I would of spent in rent into my loans instead. How soon can I pay these loans while having money for gas, groceries, and maybe some investments on the side?  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.Your text might contain incorrectly formatted lists. To format a list properly, add a space between the bullet points and list items, and add a blank line before the start of the list.--- Hey guys, This is a throwaway account. I recently got a raise and make 55kyear and Im 24 years old. I havent received a check that reflects the raise, but looking forward to putting that new check towards my loans asap. After reading through these forums, I realize my debt isnt too absurd, and I wanted some advice on how to proceed on my loans, which ones to tackle first, and how to refinance for an even better deal. 10022013Direct Sub Stafford LoanRepayment4,886.63 3.86 monthy minimum 56.30 10022013Direct Unsub Stafford LoanRepayment1,805.18 3.86 monthly minimum 20.80 11162012Direct Sub Stafford LoanRepayment4,862.00 3.86 monthly minimum 54.97 11162012Direct Unsub Stafford LoanRepayment1,899.50 6.8 monthly minimum 25.85 08302010Direct Sub Stafford LoanRepayment2,084.84 4.5 monthly minimum 24.71 08302010Direct Unsub Stafford LoanRepayment771.73 6.8 monthly minimum 15.09 08312009Direct Sub Stafford LoanRepayment3,324.52 5.6 monthly minimum 40.93 08312009Direct Unsub Stafford LoanRepayment2,365.61 6.8 monthly minimum 30.58 Current balance 22,197.75before todays payment of 1,025.87 Today, Ive submitted the minimum payment on all accounts, plus paying off the 771.73 loan in full. Additionally, Ive attached automatic payments to the fedloans, so my interest should go down .25 according to them on each loan. My questions and topics I want to discuss: - My company does not match 401k. Im moving funds to a Vanguard account and I deposit 5 of my paychecks to the 401k account. - Im doing the bare minimal health care accounts at about 25month. - Is there a bank I should be working with to get these loans lower? Citizensbank is one that comes to mind, but I want to hear if theres better banks that can take those 6.8 interest loans and decrease it to a smaller size. In general, I want a bank with minimal fees, and that actually want to help me progress in life.. not just be another account . - How much money should I be putting against these loans? I want to pay them off ASAP which means 1-2 years. - How do I balance my loans with life? When would it be a good time to look into investing in a car? Or how do I start saving for a car, while paying off my student loans. Or is it better to just slam dunk the student loans, and freedom will pursue? I was looking at the Tesla Model3 as my first big purchase as an adult.. Is that something that is doable on my salary and my current loan amount? - How do I invest any left over money in something meaningful. I want to feel like I have power over how Im investing, and want tips on how to make the most of my paycheck. Im trying to cut back as much as possible on take-out, and simply grind out until I have no student loans left. Any advice is greatly appreciated. 55kyear doesnt seem like much when I was living in the city.. But now that Im living at home, I can put the money that I would of spent in rent into my loans instead. How soon can I pay these loans while having money for gas, groceries, and maybe some investments on the side? ---I am a bot. Contact pentium4borg with any feedback. 