I'm a 23-year-old with a hefty amount of student loan debt (currently around $51,000). I am very organized, budget wisely and live below my means. I don't usually spend money outside of what I allocate for my bills, loans, and expenses like groceries. I try to live frugally and live modestly but I still feel like despite my salary of $33,000, I can't quite get a handle on paying down my loans OR building up my savings. I had $1,000 emergency savings, but most of that money has gone towards my car, which needed immediate repairs (and believe me, I'd love to live without a car, but I currently live in a city where that's really not possible). I DO make sure that I am contributing to a personal IRA each paycheck, as well as setting aside as much money as I can for savings. Do you have any suggestions for a twenty-something struggling with student loan debt?