Financial plan for recent graduate

6% is kinda steep. Id throw more at that if you could still manage to put a good chunk in the Roth

Consider refinancing with SoFi to lower that interest rate. I know many posters will tell you to pay off that 6% rate very quickly, but the one thing to consider with student loans is that you can but them in deference if something happens, like going back to school or unemployment. That kind of flexibility is vital at an early age. I'd establish a strong emergency fund before dumping excess into the student loans. All of this also depends on your current and realistic near future salary, amount of money your parents can afford to give you in a pinch (or have already given you), and a variety of other factors. The main thing to do, is avoid credit card debt.