Student Debt Information?

My unprofessional opinion: Pay off the debts ASAP. Saves the interest cost. Don't take on any credit cards. Car loan should be for a functional car, not a "chick pick up car". He can't afford that now and won't be able to afford it on $40k a year either. Look at the student loans this way, The balances are near the price of a low end home with interest rates higher than today's mortgages. The total $50k debt will take about 12 years @ $500 per month to pay off. Paying these off should be the #1 priority. If he pays the minimum, he'll be in debt for the next 17 years. Numbers are rough, rounded figures. Maybe halfway through this loan period he may make $50k-$80k and pay off the debts much sooner.