<prompt> Human: Hi all, Im 22 years old and recently moved to the US from the UK. I did my undergrad in the UK and already have student loans of approximately 60,000 from there. I am also looking to start law school this fall which will cost me around 90,000 for all 3 years. Now, whilst this is obviously a lot of money, I am not hugely fazed by the prospect of paying it off for some reason. In my head, Ill slowly chip away at both loans when I get a job. I am definitely thinking about the long term consequences of taking on such a huge amount of debt and so wanted to ask Redditors who are currently paying off their student loanshave already payed their student loans what the process iswas like for them? Any insight would be greatly appreciated!  <response>: Ive been there, doing that, and I absolutely would not do it again. It will be tighter than you realize. I graduated law school 15 years ago and Im just now able to have a very little bit of breathing room in my budget as in, I can go away for the weekend--no room for bigger vacations or saving up for a down payment on a house just yet, and thats largely thanks to an unexpected inheritance. Im just now contributing to my retirement plan. Of my law school friends, half either never found jobs as a lawyer or left the profession before our 10-year reunion.Your total debt will be 150K minimum after you graduate. Your loan payment will be between 1000 for 30 years to 1700 for 10 years a month depending on your repayment plan. There is a surplus of lawyers now, so well-paying first year jobs are going to be that much harder to come by. The average starting salary is 62K gross so figure 42K net, or 3500mo.. About 13 of your net monthly income will go to your student loans. Depending on where you live and the higher paying jobs will be in very high cost-of-living areas, figure another 13 for rent. That leaves you maybe 1500mo, or 350 a week for all other expenses--insurance, transportation, food, clothes, everything. Try making a monthly budget using 1500 for all your non-housing expenses to see if you can live that way.To earn the top salaries, youre going to be working at least 60 hours a week, probably much more. Even at the lower salaries, youll probably be working more than full time.My advice: either go to the cheapest state school you can find that has a tolerable reputation, or get into a top 10 school, or dont go at all. 