<prompt> Human: Hey Everyone! So this is my first time posting to this sub; Sorry if its choppy. I think Im going to be giving everything you guys need to help me, but if I left something out let me know! This is mostly about my student loans so here we go:Salary: 40kCredit Score: 735Expenses per Month:- Gas: 250- Cell Phone: 30 - Credit Card: 400 outstanding balance of 1,500 - Gym: 50- Car Insurance: 78- Personal Trainer: 80- Tanning: 40- Monthly Interest on Student Loans: 150- Savings Account: about 350 a month to savingsTotal: about 1400 per monthIm currently in school part time I eventually want to go back full time to an accelerated program that costs 42k for Nursing which my job pays for so Ill indicate which loans are on deferment and just accruing interest:STUDENT LOAN DEBT TOTAL: 86,288.37 broken down as follows:- Student Loan 1 NJClass: Principal 18,206.11 .. Interest Rate: 6.55 .. Accrued Interest to Capitalize: 687.23 .. Total: 18,893.34- Student Loan 2 NJ Class:Principal 17,899.04 .. Interest Rate: 7.92 .. Accrued Interest to Capitalize: 848.54 .. Total: 18,747.58- Student Loan 3 NJ Class:Principal 15,657.20 .. Interest Rate: 7.92 .. Accrued Interest to Capitalize: 715.18 .. Total: 16,372.38Total: 54,013.30 -- The interest on these loans just keeps accruing so long as I am in school. I cannot pay off the interest, the only thing I can do is pay the principal and hope it decreases the interest accrues. When I come off deferment, whatever interest I accumulate is added to my principal and I begin again.- Student Loan 4 NJClass:Principal 12,389.05 .. Interest Rate: 7.59 .. Accrued Interest: 38.70 .. Total: 12,427.75- Student Loan 5 NJ Class:Principal 1,574.45 .. Interest Rate: 7.59 .. Accrued Interest: 4.29 .. Total: 1,578.74Total: 13,963.50 -- These loans I only have to pay the monthly interest on which isnt much while Im in school.- Student Loan 6 Direct Sub Stafford Loan:Principal 4,393.81 .. Interest Rate: 4.5- Student Loan 7 Direct Unsub Stafford Loan:Principal 1,766.34 .. Interest Rate: 6.8- Student Loan 8 Direct Sub Stafford Loan:Principal 580.17 .. Interest Rate: 5.6- Student Loan 9 Direct Sub Stafford Loan:Principal 3,714.30 .. Interest Rate: 5.6- Student Loan 10 Direct Unsub Stafford Loan:Principal 1,819 .. Interest Rate: 6.8- Student Loan 11 Direct Sub Stafford Loan:Principal 3,096.06 .. Interest Rate: 6- Student Loan 12 Direct Sub Stafford Loan:Principal 2,877.12 .. Interest Rate: 6.8Total: 18,311.57 - These loans accrue minimal interest which I pay off monthly.Checking Account Balance I really only use this to pay bills: 800Savings Account Balance: 5,000So I guess what Im asking is wherehow do I even begin paying this off in the fastest way while getting the most bang for my buck. Right now I feel like Im just throwing money at these things Mainly the NJClass Loans and there arent even getting dented.Please help me if you can and thank you so much in advance!Assistant: Tanning? Jesus, what is this, Jersey Shore? People actually do that??? Ignoring the financial aspects of it, youre going to give yourself cancer. Stop immediately. Every health professional would give you this advice, which you damn well know, and youre going into nursing?!Getting back to finance, you shouldnt even think about paying any extra on those loans while you have outstanding credit card debt. That is your first priority. It makes no sense to be socking money away into savings while youre paying a much larger interest rate on those credit card bills. Pay it off in full as soon as possible and never get into credit card debt again and if you dont have the fortitude to do this, destroy your credit cards.Once youre out of credit card debt then you can start paying extra to knock down your loans faster.I dont agree with the others telling you to drop the gym, as personally I get way more value out of the gym and working out than it costs me, but you can probably drop the personal trainer. The Internet is a wealth of free resources on working out.Human: I am well aware that tanning isnt good for me. And I dont do it frequently anymore. I do it more to clear up my skin when I start to break out since its one of the only things that works.Ill pay my credit card off over the next month or so. The debt started when I had to have work done to my car and I didnt want to take the money out of my savings since I view that account as my safety net for real emergencies. And I dont think I could get rid of the gym. I love being there lately and it really helps to distress me after work and life.  <response>: Dont go tanning at all. For your sake. There are lots of effective acne treatments that dont cause cancer.Your emergency fund is for exactly those situations where you have unexpected situations that cost money you cant immediately pay in cash, like a car problem out of the blue. It doesnt make sense to not spend from the fund when you should, and instead end up paying more to the credit card company. 5K is a sizable emergency fund. It should mean that you never have to carry a credit card balance from one month to the next. If you are then youre not using the emergency fund for its purpose. 