<prompt> Human: Update: I was recently promoted to a manager position with a new salary of 55k then up to 60-65 depending on how I do..hopefully this will alleviate a lot of my stress! Hi all. I am 24, graduated in 2012, and currently have 138k total in student loan debt. Parent Plus is at 7.9 interest, Fed at 3-6, and private at 6. Minimum payments for each, respectively, are 734, 253, and 235. I work in a hospital and only make 39500 annually, live at home so no expenses other than health insurance 180month and 403b at 90month. My parents are kind enough to pay for a lot of my expenses car payment, insurance, cell phone, etc., so I take home roughly 2000month after all is said done. I pay the minimum for the loans each month about 1300, and I have 12k in savings. I always see a lot of great tips from redditors in this topic, so I figured I would post my personal situation here. I feel like I will be stuck at home forever with the debt that I carry, and it is a very big stressor. I know I shouldnt even be thinking about moving out, but the thought is there. I also know I definitely dont make enough money to even justify having such a large loan, but no one in my family went to college, so I went with whichever loans that would pay the tuition at the time. What is the best way to approach these loans given my current situation? If I can even pay off half of this amount, it would be a great relief. Thank you all! I can include more info. if needed.Edit: Parents have thought about taking out a home equity loan in order to obtain a lower interest rate. Not sure if that would be a good option.Assistant: You dont need to have 12k in savings when youre that much in debt. You only need a couple grand, if that, since you dont pay much in the way of living expenses. Human: I agree. Would you advise putting lets say 10k to the loan with the most interest? Or, chopping down one of the other loans to half? Thank you!  <response>: I think you should pay a large portion into the one with the most interest and, if possible, at least pay an extra 50 of the minimum additionally with your payments. 