<prompt> Human: Hello PF, I do not have specific information to give you such as salary, cost of living, so on - Just looking for maybe basic pointers, tips, no brainers for me. I am trying to approach this issue head on before it becomes too late.My significant other has racked up mounds of debt 150k getting her Masters Degree, I have no debt due to being fortunate enough to get my schooling paid for. I am good with money and know how to manage it. This girl and I have plans of marriage fairly soon. How will this debt affect me? What can we do to bring it down aside from being frugal to the highest degree? Any information would be greatly appreciated. Thanks!  <response>: Decrease expenses, increase income. 