<prompt> Human: Hello PF. I am currently a 3rd year dental student. In May I will marry my fiancee and 4th year dental student. Combined we will have close to 700k in student loans from dental school alone. Now luckily we will make a substantial income and should be able to debt service this thing with some degree of frugality. My question to PF is: What is going to happen ifwhen the debt bubble bursts? I really dont understand what this term means, but Ive heard it thrown around quite a bit. Also, any tips on loan repayments would be great. Should we consolidate as soon as were married? and then again after I graduate?  <response>: I really dont understand what this term means, but Ive heard it thrown around quite a bit. Its a buzzterm used by people who dont know what theyre talking about to instill fear in other people who dont know what theyre talking about. 