<prompt> Human: So where to begin? I went to art school graduated in 2011 and making payments since Nov of that year and racked up a substantial debt while there. The first job I got out of school was waiting tables at a restaurant and now Im bartending. My monthly loan payment is at just under 1000 and a bit overwhelming at times. Basically, Im looking for any advice on repayment options and planning for paying off these loans such as which one or ones to focus onI owe 6 different lenders a grand total of 105k. My yearly income totals about 45k, my rent is 275month, utilities are about 100month. I havent calculated my other expenses yet but lets say they are about 300month. So my total cost of living would be about 675month. Heres a break down of my loans: MyFederaLoan:Unsub Staff 2,305.47 6.8 fixedUnsub Staff 6,340.49 6.8 fixedSub Staff 1,576.36 5.6 fixedSub Staff 4,759.46 6 fixedUnsub Staff 2,612.28 5.6 fixedSub Staff 3,745.54 6.8 fixedTotal: 21,542.57Sallie Mae:Federal:Unsub Staff 2,184.34 6.8 fixedSub Staff 682.83 6.8 fixedPrivate:Signature Student loan 12,698.13 9.25 varTotal: 15,627.41 Loan to Learn:2,913.14 7.25 varUAS Echo:49,447.43 9.25 varWells Fargo: 5,250.41 8.65 varAES Success:10,144.90 5.9 varGrand total: 104,925.86Sorry if my formatting is dreadful. Anyway, any all all suggestionstipshelp would be super appreciated. Thanks for reading.tl:dr Im drowning in debt and need help making a plan!Edit: Details  <response>: First off you have to make a serious budget. Take a look where every dollar is going YNAB or Mint works perfect for this. Figure out how much you pay for utilities, cell phone, internet, cable etc. With a take home of 2600 a month you have a shot at getting this down but youre in for a long battle.Use the avalanche method, take every extra dollar and start throwing it at this 49,447.43 9.25 and going down the line in order of interest rates from high to low. 