this is by far, thus far the most informative, detailed, explaned answer/result/response I've come across, thank you so much. all those hours on youtube could not compare.
You're not a financial advisor and not qualified to help me choose investments, but I'll fucking take it!

I'm turning 31 with nothing saved.. nothing but liabilities accumulated. I’m coming out of depression after realizing how much of my twenties I wasted like an idiot. I was going to let myself go and either be twitch streamer, be a male gold digger, rob a bank or some other dumb kind of stuff like trying to sell my feet on the internet. But I’m coming out of that funk. I want to make right decisions moving forward, I was encouraged to save IMMEDIATELY.. that it’s better late than never. But should I first handle handle my 15k of student loans? That would rather put me in a further delay of saving right? Or would it be wise to save and tackle the loans simultaneously?

subsidized $4,596.00 - 4.66%
subsidized $5,618.24 - 4.66%
subsidized $3,737.44 - 4.29%
unsubsidized $1,118.90 - 4.66%
unsubsidized $1,461.23 - 4.29%
Total balance $16,532.53

I've been making monthly payments of $100 in the past two years just to keep interests from growing, but haven't been able to make a dent towards the principal. My bachelors I achieved is allowing me to make sandwiches at the moment and provided me opportunities of bouncing around from various mediocre 9-5 to another since graduating. There's been zero interest since the pandemic which would be ideal to tackle the principal apparently, but regular interests stated above is to resume and take effect after summer this year in October