<prompt> Human: Daily reader of PF and FIRE, I appreciate the insight. Im not seeking a budget to solve the financial problems. Its more of a question - can it be solved?? and recover retirement if successful, or does this end the relationship. I posted once before so if this does gain traction, will work to respond promptly, not sure howI graduated my undergrad and graduate degree programs debt free through scholarships. My girlfriend did not. She has 65k in fed subunsub. Car note at 16k remaining on a 2012 mitsubishi outlander, 60k miles - commuting an hour per day, one way.Personal loan at 9kCredit cards at 9KPrivate loans at 10KI had a inheritance of 100K recd 2013. I paid all debt off but current car note 13K 2.89 and have a taxable vanguard account of diversified index funds. Current net worth estimated 130k not including car note - car value equals balanceSO - 100K - plus interest at varying rates student loans are 5-7, personal are 9, CC are your usual 16-23 My Salary 44K - take home 2,800SO 39,500 - Take home 1,150 Bi -W 2,300 monthly. Server position that avg.s 500 pmLets talk options:My expenses are 1,100 - leaving 1,700 pm disposable SO expenses are 1,900 covering min due on all EXCEPT 65k loan - Too low income to contribute, due to her just starting her new position. THIS will be reevaluated and owed on an income based repayment. leaving 400 which goes to fooddog food. We combine rent, renters insurance car insurance. Phone is minimal. All bills are built into fixed rent cost. We are now taking total incomedebt:Total Expenses 3,000 minimum of all debtTotal take home minimum 5,100 Max 5,600PROBLEMS:Were talking 1,000 including social activities - usually split food of 600 and 400 paid by me eatdrink out. Worse case: 5,100 - 3,000 - 1,000 remaining debt payment 1,000 per month best case: 1,600 per month Combined, or SOs potential pay increase draws a min payment increase on fed debt as it should.Getting there:Why Im not getting specific:100K debt interest. Looks like we have 1k to throw at it. Wont cover interest. Game over. We both have higher earning potential but not guaranteed. Me- MBA, not seeking advancement advice. SO - MS in Bio, starting career. Real Options:1. Yes, I know, drop my inheritance and cover debt, start fresh and max all investment accounts. Im just not prepared to do that - My mothers life work is in those funds and Im attached - as I believe I should be. 2. Use inheritance to eliminate short term debt, CC P Loans, gain new jobs, and combine income to attack student loans. Potential option but reliant on both incomes increasing over 84k combined - significantly. 3. Sign a Pre-Nuptial - However - I dont think a marriage would work IMO. I would want to have one family income. 4. I like this 2, plus sell her car as close to cost, and eliminate payment 16 k total debt. Wait until one gains employment to desired city, transition and attack all debt as FT job!5. Break up. FIRE on my own time. Plan to max as close to 18k 401k as career progresses, plus HSA, ROTH then taxable. Side notes: SO isnt wild with money, just didnt receive grantsfunds for UG and paid just like the best of you all middle class parent incomes. We were young in our relationship where I couldnt talk her out of the new car - she regrets it. Question isnt howwherewhen did debt come from - done deal..seeking forward thinking plan. Finance is important to me and SO. Want to travel and FIRE early!Optimistic Final thoughts:Planning to move to a mid-west metropol area where I believe we can increase income quickly to min 100k to 120k. Dependent on standard of living increases, we are still looking at 20 year pay off.Disclaimer: I know realized why posts had poor formatting and why you geniuses asked for more info, I must have missed details.RECAP: Dont need budget advice. Asking is it feasible to pay down a six figure debt with modest? incomes, andor worth it. If I was reading I would probably guess that this isnt a question and the answer is obvious. Maybe similar stories may help. PERSONAL but MAIN QUESTION - Outside of love, why should I sacrifice my FIRe potential to fight debt for 10 if not 20 years. Thanks for reading. Again, Im a rookie and will try to respond.  <response>: The relationship aspect of this post should be covered in rrelationships.Financially: do not pay off her debt for her, offer to help her pay off her debt, or even offer 1 towards paying her debt. You are not married, so this is not your hill to die on right now. She needs to work to solve her debt issues, whether thats trading in her car for something cheaper, cutting down food costs 400 for pet food and people food?!, and coming up with an aggressive plan for her own debt. If you ever break up, you will regret paying off this debt.I would encourage her to come here, post herself, and create her own action plan. Be supportive of the plan she comes up with as a cheerleader, and not a knight. 