Finally, put as much as you can on auto-pay—monthly bills, including student loan payments, and your savings.
Your 401(k) contributions automatically come out of your paycheck, but don't stop there.
I give you a lot of credit for taking your student loans seriously, and for thinking about retirement this early.
If you can handle both, you'll be putting yourself in a better position to not only enjoy the benefits of your education, but also to handle whatever the future holds with greater confidence.
With student loan consolidation, you may be able to refinance at a lower interest rate, decrease your monthly payment, or both!