<prompt> Human: Hi everyone, as the title explains I made a lot of uneducated choices when going tofinancing college, I like to think I have lived and learned from that. Now Im 25 and fed up with being in debt and Im seeking advice on how to get debt-free so I can build an emergency fund, eventually own a home, and accrue some wealth.I owe about 95k in loans, with only about 12k being low-interest government loans. The biggest chunk of my debt is 44k to Wells Fargo at a rate of 7.99. I currently pay the minimums on the loans rounded up to the nearest hundred dollar amount about 20 more per loan.Currently I make about 45k a year before tax working 50 non-salary hours per week in a non-degree field. I pay 450 in rent and utilities, spend less than 200 on food, and have been reining in my hobbyentertainment expenses working with my long distance girlfriend to further decrease these expenses. I also contribute 6 to my Roth 401k as a safety cushion for retirement.What other strategies can I use to help pay off this debt? Any tips for refinancing? Im willing to post more details if necessary, thanks in advance!  <response>: Your IRA is probably not going to grow faster than your debt based on that interest rate, I would put that towards your debt instead.Your expenses appear to be low based on what you shared. You can raise your income or lower your expenses. Theres no magic bullet. If you have no prospects for higher earnings in the near future, this is going to be a real struggle. The only way youll dig out on this income is, quite literally, by living in a van. 