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As a very general piece of advice, I'd suggest living a lifestyle one step below what you can currently afford, then save and invest the difference. When you do start to earn, keep your spending at a level at least one raise behind you. You are young, so don't worry too much about your particular situation, but minimize any more debt at every opportunity. Time is on your side. In your situation, I'd say: My goal is to be free of this debt by 30, and I am going to see if I can do it sooner. Debt is dangerous, because the costs are often greater than numbers alone. Therefore it should be taken with caution.