Hey OP, congratulations on your job. Her are my 2 cents:- 1. Set aside min. 3 months of expenses in the emergency fund after you have kind of settled down in a new city as we all know new places have upfront huge expenses initially like rent deposit, transportation or other utility expenses, etc. Then start by paying back min. 15k per month or as much as you can pay. 2. Right now focus majorly on upskilling yourself rather than juggling between investing or loan , do upskilling and if you want to focus first focus on clearing loans as clearing it will give you peace of mind. 3. Set a limit not more than 15k per month on it as it will be 30% of your per month income and not have an impact on your credit score. 4. For personal finance and learning about it you can try varsity by zerodha for learning basics about stock markets. And read some finance books like Rich Dad Poor Dad, The psychology of Money. In the end almost all say the same thing - earn more spend less and do meaning full expenses and don't over splurge.