<prompt> Human: This is a more of an off my chest post, than a seeking advice post. So bear with me. this probably belongs in roffmychest I just graduated from college this year, and got job recently. The thing is, I have 65K of student debt. My parents didnt pay for anything, and I had to use all loans. On the bright side, it was a top ranked university and I only had to pay 30 of the tuition thanks to financial aid and grants. Right now, my loans are in the grace period. Im going to save up all the money from the grace period and put it towards an emergency fund. Though it will only be enough for 3 months.My monthly income at my current job entry level position is only 1,500 after taxes. Here are my monthly expenses take note that I am living at home, so I do not have to pay for rent and my food bill is very low. Trade-off is, I am paying for my own car instead of rent: Car payment: 300 Charity: 150 Gas: 100 Food: 150 Personal haircut, gym, leisure: 140 Student Loans: 650 Total expenses: 1490When I start making loan payments, I will have 10 left over after all my month expenses. Luckily I will have already built an emergency fund by the time I pay loans, though it only be enough to cover 3 months. I know there are many ways to cut down on my expenses, such as lowering charity donations, lowering my personal expenses, and in the worst case scenario, asking my parents to pay for my car. I might look into getting a supplemental income, like Uber, or leapforce.  <response>: Charity? Take care of your home before tending to others friend. Besides donate time, I find that works better for me. 