<prompt> Human: Little about my budgetloans:I will start my repayment in November and owe on two different loans: Stafford- 154,051.20 6.8 Grad PLUS- 86,864.49 7.9Currently make 6000mo after insurance and taxes 75-80 hrswk Budget:Rent- 1377.00moCar- 253.00moCarrental insurance- 133moPower- 150-200mo depending on air usage in Arizona with winter coming, it will go down quite a bitWaterTrash- 50-80moCableinternet- 84mo Food- 300moSavings- 2200 been putting part of my paycheck away for a few monthsI live with my girlfriend of 4.5 years and she will begin bringing in about 2000mo once she solidifies a job out here. My goal is to hammer this debt quick. I want to pay approx 3000mo but when it comes to the actual paying off the loans, my school didnt do a good job breaking that down. Im through Great Lakes and their website is scattered all over the place with repayment plans their main focus it seems. Im just doing the 10 yr plan but will pay off more each month.Questions:Do I submit all the payment for the month at one time or break it up to help my budget? Obviously I want to get the higher interest loan down quick and this may should stupid but the other loan wont get penalized if I pay the minimum on the Stafford loan, will it? Is the minimum payment 50 for everyone? Consolidation on these size loans- help or hurt?Do I need more savings or just keep what I have and put it towards loans?What more can I do? These loans are massive but I know I can pay them off faster then most because living frugal isnt hard for me. I just need some organization and with my job taking it out of me all day everyday, finding time to make sense of all of this is slipping. Any help would be much appreciated.Theletter8  <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 fix your sections that had incorrect line breaks:--- Little about my budgetloans: I will start my repayment in November and owe on two different loans: Stafford- 154,051.20 6.8 Grad PLUS- 86,864.49 7.9--- Currently make 6000mo after insurance and taxes 75-80 hrswk Budget: Rent- 1377.00mo Car- 253.00mo Carrental insurance- 133mo Power- 150-200mo depending on air usage in Arizona with winter coming, it will go down quite a bit WaterTrash- 50-80mo Cableinternet- 84mo Food- 300mo Savings- 2200 been putting part of my paycheck away for a few months--- Questions: Do I submit all the payment for the month at one time or break it up to help my budget? Obviously I want to get the higher interest loan down quick and this may should stupid but the other loan wont get penalized if I pay the minimum on the Stafford loan, will it? Is the minimum payment 50 for everyone? Consolidation on these size loans- help or hurt? Do I need more savings or just keep what I have and put it towards loans?---I am a bot. Contact upentium4borg with any feedback. 