New college grad with 60k in student loan debt. How to approach paying it off? - I just graduated from college last month with 60k in student loan debt. About 40k are private loans with 20k being intrest free federal loans. I got a job with an 85k salary that I'll start in August, so figuring how to pay off the loan isn't that big of an issue. My concern is how I should pay it off i.e. should I aggressively pay it off after each paycheck or set a certain amount say 2k each month. Obviously I should pay off the private loan first. I estimate that my salary after taxes is about 64k. Following the 30% rule on rent, this gives me a budget of $1600/month, unfortunately the rent is pretty high where I will be working with nicer apartments being in the $1800+ range for a single person (I tried looking for a roommate but no luck). There are more affordable apartments in the $1000-1400 range however it's more of a gamble dealing with bad management and poor maintenance. I also currently live 1.5-2hrs from the work site with my parents, so I have thought about commuting as an option as I will be working hybrid with me only coming in two days a week. With that said here are the options I'm considering.

1. Bite down and gamble with cheaper housing 1k-1.4k/month, 2k+ monthy student loan payments, pay off private loans in about 2 years.

2. Stretch budget and choose nicer housing 1.5k-1.9/month, 1k-1.5k monthly student loan payments, pay off private loans in about 3 years.

3. Stay home with parents for one year and commute. 4 hour one way commute 2 days a week. 13k-20k estimated savings from not renting. Pay off all private loans within a year.

Any thoughts or insight on this? What would you do?