<prompt> Human: So while Ive long figured that I wouldnt burden anyone with my problems, Ive started feeling stressed and seek any wisdom or encouragement that this subreddit can offer. Essentially, I want to get rid of my student loans as efficiently as possible, while still enjoying some quality of life in my 20s.Here are the details:Loans:26 year old with around 123k in federal student loan debt from law school and undergrad. Interest rates vary between 4-7 depending on loan, overall average is probably around 6.Income:Achieved job which will provide roughly 4.2k monthly AFTER taxes minimal 401k, and health insurance. I will start this job full time this summer, and my loans are in Graceland until then.This is a seemingly stable job, with regular bonuses and raises. I have been unofficially informed that I can expect to be making above 100k in 2-3 years if not less.By the time I start workrepayment, I estimate I will have a little over 10k in the bank after starting bonus plus my savings.Expenses:Live in reasonably priced city and will be living with girlfriend. I make way more than girlfriend but she still helps with rentgroceries. Her income stream is a little unreliable, but helpful part time odd jobs like babysitting, house sitting, etc.Aside from loans, I only have normal expenses like transportation, groceries, rent, fun, etc.My plan:Monthly:4.2k incomeStudent Loans: 1.1k in a graduated repayment plan, that increases slightly every 2 years until repayment after 10 years. This reflects the fact that I will hopefully be making more money soon, and giving myself a little breathing room at the start.Rent: 1k Girlfriend may be able to knock this down to 500 some months, but again, cant rely on it.Now I have 2.1k left. Save 500 a month for a rainy day fund.1.6kGood healthy groceries 100week again, gf may help here.1.2kTransportationwill likely buswalkbike minimalNow I suppose, with roughly 1.2k remaining, will it be irresponsible to use this money for fun and vacations? I recognize this comes down to personal choice, but I suppose I need validation that I am meeting my obligations and can afford to indulge.Ive seen some amazing helpful opinions on here, so heres hoping for the same.Thanks!  <response>: Spending 1.2k on fun when you have 123k in student loans is hugely irresponsible. Thats over 25 of your take home. Even without any debt, thats a lot. 