<prompt> Human: So I graduated college and have finally acquired a permanent job making about 35K before taxes in the US. In order to save money, I am living with my boyfriend and his parents for super cheap. He, fortunately, has no student loans. I on the other hand am about 40K in debt including accrued interest. But now I want to start on getting a solid financial future... and I have no idea on where to begin.For obvious financial reasons, I had to put my loans on IBR, and while it is quite manageable minimum monthly payments are about 2-3 each per month, I realize that there would be no way I could pay off the loans. I would rather try to pay the entire loan off as soon as possible. My plan is to focus on one loan at a time while paying at least the interest payments on the others, but Im not sure which one I should pay off first. On top of that, I really need to get my own car. Im currently using my boyfriends since he can commute with his parents, but hes looking for work elsewhere. He has been at his current position for 2 years with no opportunities to move up. And we both agree that we would eventually want an apartment. Can anyone help me? I have a running excel sheet of my current expenses and how much each loan is with their interest rates and accrued interest.We also have been looking through threads here to get a basic idea of how much it would cost for us to move out. As of right now, because of my students loans, the option is impossible until he finds a better job since I just recently started mine, I cant hope for movement or a raise anytime soon.Can someone help me please?Assistant: Paying off the highest interest rate first will always save you the most money.Human: The issue I have is that several have several loans with the same interest rate. They all have varying principals and some of them have been accruing interest since I opened the loan while others did not until I graduated. So should I focus on the ones with the higher principal or the ones that I owe the most money on now?  <response>: If all the loans are accruing interest and none of them are still in the grace period it doesnt matter which loan you pay out of all your 6.8 loans. Just do the one with the lowest balance. 