<prompt> Human: Hey all,Sorry in advance for the block of text. Posting on a throwaway but I have accumulated 99k in undergraduate student loans. Its in a relatively well paying field. No credit card debt, and a mid 700s credit score. nbsp;All loans show up as PARENT PLUS and are all in Great Lakes. Heres the breakdown: Loan Type Principal Interest Rate Interest Excess Pay Allocation---------------Parent Plus 19,659.94 6.410 Fixed 2,003.46 0Parent Plus 25,488.05 7.21 Fixed 2,883.45 100Parent Plus 22,634.00 6.48 Fixed 1,964.84 0Parent Plus 23,004.00 6.31 Fixed 1,022.68 0nbsp;The minimum monthly is around 1,200 and since Ive graduated in May Ive made 2 payments so far. Before that I made a monthly 100 payment while in school. The payments are deferred grace period until November.nbsp;Just started a job in July. Its a public state government sort of job. with great benefits but lower pay. Breakdown: 49,500 annual, 3,000 monthly take home Automatic 10 from me for 401K, 11 from the company match Since 401K takes such a big chunk, no IRAs for the near future Currently not signed on my own insurances, still on parents corporate insurance for the time being MBA will be paid for, planning to start in Fall 18 studying for GMAT right now Job security is solid, basically no one gets fired within reasonnbsp;My living situation has been very fortunate in that Im staying with a family member rent-free. I drive a beater car that Ive only spend about 1K maintaining since Ive gotten it, otherwise rock solid. I dont pay for my cell phone bill currently or my phone still on parents plan. nbsp;Just to be clear, Im very thankful of my current situation in life and the ability for my family to support me through this. nbsp;Monthly payments: Adult Orthodontics - 100 Car insurance - 40 Gym Membership - 30 Spotify Family - 15 Amazon Prime Student - 4.50nbsp;Since Ive started working, Ive set up my bank accounts to split my income as soon as I get paid: 500 into Emergency Fund 600 into Car Fund my old car was totalled earlier this year. Hopefully the beater lasts but you never know. 1,200 into Loansnbsp; My bank account breakdown: Checking - Whatever is left over from transfers that month Car Fund - 4,967 Emergency Fund - 6,768nbsp;Credit Line Breakdown Discover IT - 3,000 Capital One QuickSilver - 10,000 Note, this is the credit available, I barely use it though. nbsp;Plan moving forward starting next billing cycle: Increase loan payments from 1,200 to 1,900 - 2,100 Cancel Amazon Prime Stop transferring money into the EmergencyCar Funds Reduce eating out with coworkers to a budget of 15 per 2 weeksnbsp;My hope is that after I complete the MBA and work for a few more years, to switch to private sector with higher wages to more aggressively pay down loans. That means probably another 4 years at current job. nbsp;Any tips? Concerns? Reassurances? Thanks for making this far and for any input you can provide.  <response>: Throw basically all your money at the student loans. You live at home and have a steady job, there is basically no need for more emergency fund then 6,500 unless you have a bad relationship or there is a possibility you will get kicked out. 5000 is also enough to buy a new car if need be. I would just flat out take all money minus like 150-200 per week and put it towards student loans. Do that until you have 2 of the 4 loans paid off, then you can think of doing something else like moving out 