<prompt> Human: So I started my first, official job out of college a few weeks ago. I lucked out heavily with a base salary of 70K plus great benefitsbonus. Unfortunately, I have about 170K in student loans.Quick rundown of debt accrual:Since Im the eldest, my parents had no idea how to handle paying for my college tuition. My tuition is actually fairly cheap compared to most colleges, but it was how my dad took out money that really screwed me over. Every semester I applied to FAFSA, got money from the govt in the form of subunsub loans but it wasnt enough to cover each year. My dad would take out a Parents Plus loan from FAFSA to cover the rest. Unfortunately, he would ask for the most amount of money, and instead of refunding the money back to Sallie Mae, he would use it on household funds, bill payments, or even family vacations I was completely unaware he was doing this until I poked around at why I had to pay so much back. At some point, I also took out my own private student loans from FAFSA in addition to the govt loans because there was one semester that they wouldnt give me money because of my grades. With that private loan, I was also never told to refund the money or save it to pay back the debt because my dad took care of everything pretty much told me to sign here when it mattered.I should only have 75K in loans, but have an extra 100K due to my dads poor financial management he did it with a good heart, I promise, he just doesnt know as much about money as he thinks he does Im stuck with it all.Current Situation:Right now, Im 24, started a new job, and living with my parents - they told me I can stay with them as long as I need to save or until I get married however, I would rather not be living at home until Im 30. The car I used through college finally sputtered out so Im borrowing a family members car to get to work atm, but I cant do it much longer so Ill need a car as well. My base salary is 70K. I pay my familys phone bills and help pay for groceries. I know my salary is pretty high for a recent grad, so I want to be smart about what to do. Any and all help or suggestions would be greatly appreciated!EDIT: Thank you all so much for your comments advice. Sorry it took me so long to respond, I was doing some research on my own too. Ive decided to use the budgeting tool YNAB thanks to Reddit Im hoping that can really help me sort through my finances keep me on a good track. My dad I talked about his Parents Loan, were splitting it down the middle. Im going to be holding off on getting a car for a few months until I can get my finances set up auto-payments, getting used to how much is left over. Im definitely going to be putting most of my money towards my debt, but also working on saving whats left over so I can start looking at places to move out. Your comments really made me feel a lot better about my situation - thanks everyone!  <response>: The Parent PLUS loan should still be in your dads name and you have no obligation to pay it. Legally its 100 his responsibility. You could tell him youre only going to pay the money you used interest towards it. 