Like most citizens of popular and international urban centres I don't take advantage of the cultural opportunities. Perhaps this comes from growing up in suburbia. Home is where you eat sleep read watch television and ignore your parents. It is not where you go to the ballet and then attend a heated panel discussion about it afterwards.
The most important loan to pay is your student loan. It's more important than your mortgage car and credit card payments. You cannot discharge student loan debt in the majority of cases.