$72k in student debt I’m pursuing a bachelors in civil engineering. I’m going into my sophomore year and am looking to transfer schools after attending community college for 2 years. I got accepted into a private university that I would commute to but tuition will still be about $20k a year. Financial aid gives me a federal loan of $5500 of that $20k. If I spend 3 y…

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I took a new job recently for $72K. It’s more than I’ve ever earned before and I want to be smart with this. I’ll be honest. I’m scared to blow it all away. And it’s easy to do, I did it before. I blew my first chance at a nice salary. I’m stupid with money. I never got any help with financial education let alone financial literacy. I have debts, about $4500 worth. I’ve lived paycheck to paycheck since I was 16. I’m 32 now. I feel I’m finally able to …