<prompt> Human: Hi personalfinance! Im a recent graduate in my mid-twenties and now that student life is over I am trying to improve my financial knowledge. After a year or so of religiously stalking this subreddit, I feel like its time for me to make a post looking for some advice. The good:Annual salary: 128,000 or approximately 7500month; in addition to this I also am negotiating a contract where I moonlight two Saturdays a month at the rate of 550day.SOs salary: self-employed, last years annual income was roughly 48,000; brings home about 2500month after contributing to retirementThe bad:Student loans: 242,200The weird:Loan repayment bonus: 60,000 non-taxed lump sum, will be deposited into my account in November in exchange for my two-year contractI dont have any issues with budgeting but I will breakdown the expenses for my SO and I as well.Rent: 800Gaselectricwater: 150Cableinternet: 150Cell phones: 160Car Insurance: 200 two vehicles, both paid offGas: 100Groceries: 500Entertainment: 200Other random things: 400Disabilityrandom other insurance: about 300month roughly 3,000monthSo why am I here asking for advice? Youll notice that I didnt include my student loan payment in the above calculations. I am currently signed up for IBR although I intend to contribute more than the laughably small amount it wants me to pay which was based on last years income of 0. But the question is... how much should I pay per month? Id love to pay off my loans as quickly as possible for obvious reasons but the 60k lump sum will make a significant dent in the principal. In addition, we would like to buy a house before were 30 so weve got 2-3 years to have something in the 60,000 range for the down payment. My SO has about 8000 saved as an emergency fund, as well. So... what do you think? If we are going to have 7,000 leftover every month Id like to do something intelligent with it. Should I split equally between the down payment and student loans? Invest some of it? Some is already being contributed to retirement but should it be more? Another option Im not thinking of? Edit: Heres the breakdown on the loansSubsidized stafford: 25,500 3.4Unsub stafford: 163,168 6.8GradPlus: 53,532 7.9  <response>: Knock out the GradPlus loan with the lump sum and apply the res to the unsubsidized loan. From there I would throw as much as possible at the unsubsidized loan with making only minimum payments on the subsidized loan.If you want to save for a house I would work backwards and figure out how much of a down payment you would need and how much you need to save per month. Once you figure out how much you need to save I would reevaluate your goals and timelines, buying in your 30s isnt really all that horrible if you can at least knock out that unsubsidized loan before you buy. 