<prompt> Human: Hi all, Ive been a longtime lurker here and love this community and I would love to hear your thoughts on my situation:The details: Im 27, make 150k-170kyear in a pretty high cost of living area, and have a masters degree with no student loans. I bought my home for 315k in a steeply appreciating market and its now worth 400k, and I have a mortgage of 240k 3.375 on a 7 year ARM that Im currently 3 years into. In addition I have 30k in emergency funds, 67k in retirement accounts, and 118k in a brokerage account. I rent the other rooms of my home out to friends, which covers my mortgage and then some. Also of note, we lucked into a situation where well have a free apartment once we get married, so Ill move out of my place pretty soon and have that place fully rented out for about 1kmo profit, so things are going great and I couldnt feel more lucky for my situation!Heres where things get tricky: my fiance is getting an advanced degree and currently has 240k in student loans 6.8. In addition, shes got another 40k of tuition coming down the pike and 2-3 years before shell be making her full salary. Next school year shell probably make around 25k for her internship, and the following two years maybe more like 40k-50kyr during postdoc, before she gets fully licensed in her field, at which point itll hopefully be more like 80k-100kyr. But right around then she wants to start a family so shed probably only be working about part time for the following 5 years. Her loans are currently on pause in that payments arent required until 2019, but interest is accruing but not compounding until that 2019 date, at which point the monthly payment will be 3.2k.So my question is this: How do I tackle this massive load of debt? Once we get married I want to liquidate my brokerage account and put that 117k against the loans, but that still leaves a 123k mountain to climb. Also, Im not sure what the tax ramifications are of liquidating that much money. Other Questions: Do I sell my house and put my equity against the loan amount, or do I keep it rented out and use the profit from the rent to pay down the loan? If I keep it rented out, do I refi to a 15 yr or 30 yr fixed? And do I keep it for just the next 3 years so I dont have to pay taxes on capital gains when I sell it, or do I just commit to holding it as an investment property for the next 40 years? Also, do I try to refi her debt? If I do, I lose that pause so Ill have to start making payments monthly right away, which I basically plan to do anyways but its nice to not have it be compulsory until 2019 in case other things come up plus my salary is HIGHLY variable from month to month. Or is there another option I havent thought of? I know you folks are smart here, and I apologize for the novel, but Im hopeful you can offer some insight and guidance! Thanks!  <response>: The info you provided about your fiancée makes me believe she is on path to become a therapist. If it is indeed true, I highly recommend looking into 80-100K closer. This income implies good client base which fresh graduate may not have. 