<prompt> Human: Off the bat, Im engaged to a wonderful woman, so Im not interested in run and hide as advice. We both graduated from undergrad in May 2012. Shes in a masters program right now, graduating December 2014, and were planning to get married just before that in October 2014. Im entering a Masters program this fall, while working full time, and I have no student debt and wont be incurring any expenses may increase some, but not much.Here are some stats: My income: 60,000-72,000year strongly bonus dependent, unfortunately Salaried monthly take-home: 2600 Take-home bonus, yearly: 6,000-10,000 very variable Her projected yearly income: 75,000-95,000 Current Savings: 18,000 Putting in minimum 401k for company match: 6 matched 35 Monthly Expenses: 1,800-2,000 Her Student Loan Debt Graduation: 110,000 4-7.9 53,000 to parents 1 Wedding Expenses Budgeted: 5,000By my calculations, we could have all the student loans paid off in about 3-4 years if she puts 34 of her take-home pay into her loans and I continue to pay for living expenses with my income, but its still just disheartening to put off a familyhousetravelmoving for so long.Does PF have any advice? Its just so disheartening for both of us. I knew what I was getting into, but she didnt seem to realize that she couldnt just pay it off on her own so Im trying to work out a plan to help ease her into the idea that were in this together.Thank you, everyone!  <response>: Its not the debt, its the earning potential over the next 40 years that matters. Given your bride to be is headed for a well paying career, Id be anything but disheartened. In fact I wouldnt be surprised if she makes a post here soon saying shes concerned about marrying a man with a variable income thats lower than hers will be ; . Pay off the high interest rate debt first. Sure, you might have to put off having kids for a couple of years, but whats the hurry? 