<prompt> Human: Hi allMy boyfriend is getting a Masters in Computer Engineering--he has 150K private debt variable interest and 175K federal debt. I dont know the terms he hasnt told me and around 10K credit card debt. He makes around 75K a year now before completing his degree. I dont work in the tech field--is paying off this amount possible? Ive never heard of 325K in debt except for doctors. It is almost frightening to me. Thanks.UPDATE:: A commentor below asked for both our financial pictures basically. Here it is.Me:27 yo FAfter tax earningsmonth: 3000-4000 depends on overtime, etcEmergency savings: 5000 1 checking account bills only: consistent 2000 balance to cover bills2nd checking play money: I only allow 300-500 per paycheck to cover eating outetc.Credit card debt: 2500-on 0 interest until July-paying down around 650-800 per month. No other debt. No car, no student loans worked 2 jobs throughout school to graduate debt freeROTH IRA: 30000- I deposit 5500 each January for max benefitCompany 401K: 8000 I contribute 4-6 but max the company benefit of 4 match-I have been working for less than 2 years.Boyfriend:32 yo M4000- monthly take home after taxes155000 private loans variable interest180000 federal loans10000 credit card debt 10000 401KNo savings that I know of. Jointly we would make around 7000-8000 per month. This assumes I would support us while he uses all his money towards his debt. Im assuming no vacations, cars, house, and probably no kids...I know Im in for difficult decisions ahead, but I feel guilty for wanting more, but also angry and hurt that I am in this position. It feels brutal to me so I cannot even imagine how he really feels. It feels devastating.EDIT::: Thank you everyone for your support, comments and messages. I really try and respond to each one, as Im really thankful for your thoughtful commentsAssistant: This is going to be very ugly. This should not be almost frightening to you, it should be extremely frightening to you.Other than the credit card debt, the first thing that he needs to do is start attacking the private variable rate debt. This is very important-- rates are very low right now and the payment will already be ugly, but in a few years when rates go up and thats pretty much the only direction that they can go, hell be in a whole new world of hurt.Unless hes extremely lucky, this will probably require at least a decade of extraordinarily frugal living and focusing on nothing other than paying off this debt and not taking on any new debt. You need to consider whether that is something that you would like to be a part of. Please tell me hes graduating this year and that the debt wont grow even further.Human: It is extremely frightening and has been cause for concern because he says it is not my business basically. He should be graduating but he has deferred his loans while still in school...so total repayment hasnt come into effect yet. I feel we are in for a very big wake up call.  <response>: he says it is not my business basically.Hes wrong. Seriously, this will affect every aspect of your lives together retirement, kids. How could that not be your business? Its your life. From looking at your finance picture, you seem to have a good handle on finances. Your boyfriend has proven that he has no clue about finances its probably familial, if they were dumb enough to cosign on this - and it sounds like his response it _still_ to not think about it. He can only dig himself out of this mess with careful, intelligent planning and long term discipline. Do you think he has that? It doesnt sound like it to me. 