IMHO, you made a very poor choice with school selection. When we make poor choices as adults we have to write checks to solve those problems. Yours is one that will cost you well over 140K, and quite possibly more.

For the price of your last year, you could have attended a state university for 4 years and made a very similar salary. When one does not have money that is the best course of action. Keep schooling costs to a minimum. This would be quite a different story if you were graduating with 25K in debt.

What you did correctly is that you picked a good major. Some attend a similar school, also with no resources or support, and obtain a degree that qualifies them to work at Chipolte. Good work on picking a major with a good income level.

So what do you do now? IMHO you should treat your life like it is on fire. Work like crazy (like deliver pizzas in your off time), and spend nothing. Every extra cent goes to student loans. Without an extra job, you can probably make them disappear in less than 4 years. This means keeping very basic living expenses until your loans are gone.

The car is also likely a poor choice. Despite what "Madison avenue" tells us cars should be purchased with cash. It may be best to get rid of the car in lieu of transportation that does not require a car payment.

Its tough, but your future self will thank you. Also please don't think about buying a home until this mess is cleaned up.

IMHO, you made a very poor choice with school selection. When we make poor choices as adults we have to write checks to solve those problems. Yours is one that will cost you well over 140K, and quite possibly more.

For the price of your last year, you could have attended a state university for 4 years and made a very similar salary. When one does not have money that is the best course of action. Keep schooling costs to a minimum. This would be quite a different story if you were graduating with 25K in debt.

What you did correctly is that you picked a good major. Some attend a similar school, also with no resources or support, and obtain a degree that qualifies them to work at a restaurant like Chipotle. Good work on picking a major with a good income level.

So what do you do now? IMHO you should treat your life like it is on fire. Work like crazy (like deliver pizzas in your off time), and spend nothing. Every extra cent goes to student loans. Without an extra job, you can probably make them disappear in less than 4 years. This means keeping very basic living expenses until your loans are gone.

The car is also likely a poor choice. Despite what "Madison avenue" tells us cars should be purchased with cash. It may be best to get rid of the car in lieu of transportation that does not require a car payment.

Its tough, but your future self will thank you. Also please don't think about buying a home until this mess is cleaned up.