<prompt> Human: 22 Year old, graduated College in the spring and currently living at home. I live mostly expense free - no rentutilities.Parents pay for gas grocieries, i have no car payment for now. I did however take out loans for ALL college tuition.My income varies, base pay Commission. A safe estimate for me would be 2.2Kmoth after taxes. I have about 80K principle student loans. Currently on the 25 year plan to start things off, It comes out to about 777month in student loan paymentI am currently sitting on 10K cash. How do I proceed in life? I am trying to move out of the house by this time next year, I should be able to save another 10-12k in that time.Do I put almost all of these savings into the principle on the loan payment??? Im currently set to pay A SHIT TON in interest on this loan and putting forward 10K to the principle, possibly even 20K, is very tempting.On the flip side, Im also trying to move out and Im going to need a lot saved up to afford my loan payment which is going to be as much as rent.  <response>: If 10k is your only savings I would keep that as an emergency fund. 