<prompt> Human: Hi all,So this is more specifically about a PsyD, but can be generalized for graduate student loan debt in general. I must be missing something, because I see everyone freaking out about student loan debt, but I dont see why its so hard to pay back..K, so heres the scenario: I take out 150,000 for a 5-yr PsyD. Afterward, I begin with a starting level salary of 70,000. I figure living costs to be about 25,000yr. This is living in some U.S. metropolis, living in a small apartment, with no car, no cable, not much partying, cooking all of my meals.. generally just living meagerly.K, so 70,000-25,000 45,000. I could theoretically pay back 45,000yr on my loans. 150,00045,0003.3. Thus, I would be able to pay off my loans in maybe 4 yrs, taking interest into account. Or maybe 5, at most.Whats wrong with this picture?? Am I totally missing something??Thanks so much for your input!! :  <response>: Interest, taxes, and theres no way thatll be your starting salary. 