<prompt> Human: Hi everyone, I made a throwaway account because I genuinely wanted advice lest some of my friends who lurk around figure it is me. Im here to genuinely ask for advice.I grew up in a poor family, where wed usually go for one meal a day in general. Things got better in 2013, when my dad managed to get a decent paying job and I worked after school delivering canned drinks to events it was a cash based kind of thing. My parents got a debt from medical related bills from caring for my late grandmother as well as funeral expenses in which my relatives refused to contribute for.I have already given the family near 6000, which was the savings I had intended to use for helping me with my daily expenses and service my student loan.However, now that Im almost 23, Im in a sticky situation with my family. My parents have incurred massive amounts of debt and theyre getting to the age where no one wants to employ them. Right now, Im a full-time University student and working freelance as a ghostwriter. I will be graduating in November.Cash on hand:1100300 in Beanstox in the form of AAPL and Alphabet Inc stocks200 in ETFsI used to have more, but I sold it off to help service my familys debt.Family debt I broke it down in different batches, so that I can let all of you see the timings clearly:3000 Im set to pay this off by February 20191500 Im going to clear this off by November 2018, December 2018 in the latest1000 December 2018, January 2019 latest18000 in Student Loans I aim to clear this by 2022My monthly expenses:100 for my phone monthly I plan to switch to a much cheaper plan the moment my contract expires150 repayment of student loans monthly50 for travel300 for water and electricity related bills250 for grocery for the familyMy projected monthly income:100 - 1100 monthly depending on frequency of work.After graduation, the amount will increase to 2300-3000x200B;Honestly, Im at my wits end on how to clear all these debt. However, I sat down today and decided to formulate a real plan so that I wont be trapped in a debt cycle:Assuming that I earn 300 a month up till graduation, I aim to get rid of the smaller debts first, then clear off my student loans. I have some collectible items that I had since I was a child that can be sold for about 3000 as well. As for the Student Loans, I aim to simply pay off 150 a month that includes both the interest and Principle amount as agreed with the bank.30013 months: 39003900 2000 cash on hand 5900I aim to clear off the three sections of the family-related debt first.After I clear those off, assuming my expenses remain the same and I get a job:2300-850 1450I aim to put 1000 a month into a Roboinvestor or into ETFs and index funds religiously while holding onto the 450 a month as cash in hand.Do you guys have any feedbacks or suggestions to give me? I would really recommend it. Ive seen this sub help so many people and I hope to be able to benefit from all of your wisdom as well. Thank you.  <response>: Your parents financial problems are not your responsibility. 