<prompt> Human: I need your help, people of personal finance. My wife and I have a combined student loan debt of 180k and our gross income is 100k. Luckily we live in an area where the median family income is 43k. That isnt any help in paying off loans though. Any advice on how to plan this out so we arent paying off our loans until we die?Edit: expenses;Mortgage:700monthCar expenses including minor fees repairs and insurance: 800monthInternetsteaming:80monthUtilities:80monthGroceries:300monthStudent loans: 1000month Leisure: 400monthMedical is all covered by jobs minus deductibles.Assistant: Uhm, with 180k...yeah, this is going to take years and years to pay off. What is your net balance after accounting for your expenses and retirement every year? Human: Well we both pay into a 401k that is taken out of our paychecks. And I have a second IRA. After all bills such as mortgage, student loans, etc. it comes to about 800 net income monthly.  <response>: Without accounting for interest you will be paying those loans off for the next 22-23 years. You need to seriously consider increasing your income and putting off any unnecessary purchases. 