<prompt> Human: I am a graduate student making 24,000 per year as a research assistant. I expect to graduate with my Ph. D in about 3 years. It took me 6 years to make it through my undergrad changed major to physics late in the game and essentially started over as a freshman because I didnt have any of the prerequisites. I do not regret my decision at all because I love my life and my job, but I accumulated 100,000 in student loan debt over the 6 years. I graduated in 2014 and have been deferring them since then since I am still a student though I do not pay any tuition.I am 28 years old, engaged and wanting to start a family soon. My fiancé makes 50,000 per year and has 20,000 in student loan debt that he is paying on.Is it worth it to start making small payments 100 month now? Or should I wait until I graduate and get a better paying job to make large payments. We also have some credit card debt that we have been paying down and are saving for our wedding, a house, and our future family. Every penny of our income is accounted for so Im not sure what I can do to get these student loans paid off. We both have relatively new cars as well so we will have car payments for the next 4 years. I admit this wasnt the best decision but it is worth it to not have our 10 year old cars in the shop every few months. Any advice would be much appreciated.  <response>: I would absolutely make small payments now if thats all you can make. 100K in student loans will blow up quickly if you let the interest keep accruing. Hopefully you land a killer job when you graduate. 