Finding a cheap place to live is essential! My first post-college apartment was $960/month, utilities included. As a result, I completely paid $19,000 in loans

Finding a cheap place to live is essential! My first post-college apartment was $960/month, utilities included. As a result, I completely paid $19,000 in loans 11 months on a 61k pre-tax salary. Look for apartments in safe neighborhoods that cater to fixed-income families and the elderly. If the loan's APR is much greater than your savings account, keep a reasonable buffer and dump everything else into the loan. Otherwise you're throwing away money to interest. If you have the ability to pay into a specific loan right now, put money into the one with the highest rate ASAP. I imagine lifestyle is a huge factor. Groceries are my only large monthly expense. If you have others, plan accordingly.