text: so you know we have trade-offs so we 're more we have a monthly budget with this this this this but we have no savings which isn 't real wise but we just we don 't have the income at this time really to have any because we have three debts that we 're trying to pay off from both of our student loans we 're still paying trying to pay those off and we have one car payment that we don 't i think we have about thirteen months left on it
  
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  Setting up a monthly budget is a great idea of keeping track of your student loans .