<prompt> Human: Leaving rrelationships out of this entirely, Id just like to hear peoples opinions on student loans and deciding to have or not have children. Have you delayed your plans for kids based on how much you owe or the timeline in which you owe? For example, if you had 90,000 in student loans, is there a specific balance in which you would be more comfortable with trying to have children? What about 50,000? Does it depend on how fast you think you can pay them off? Doesnt have to be student loans either, if youve struggled with credit card or other debt Id still like to know. Ive wondered this for a while and searched on Reddit and Google but cant seem to come up with a decent answer, so Id love to hear what real people have done. My struggle can basically be summed up in two competing thoughts: If you wait for the perfect time to have children, you never will. and Youll never be prepared for kids, but you can be financially prepared.Thoughts? Assistant: It depends on the entire financial picture. Incomes, how you plan to deal with childcare, etc. If you have two high earners with decent student loan debt but grandma or grandpa are going to watch the kid, yea you could be ok if you have a solid plan. Or you could have lowish student loan debt, one earner with an eh income, and the other who has to stay home to take care of the kid since daycare wouldnt make sense financially and this could also severely impact their future earning potential too and they lack support from grandparents for whatever reason.You cant just look at one aspect of someones financial picture to decide if something is financially reasonable.Human: Ill throw my information out there then - double income maybe 200K, but 95,000 in student loan debt. Aggressive plan to knock it out to the tune of hopefully at least 5Kmonth. Childcare would be through daycare. Is it smart to just wait until the loans are completely through, or start trying once we get it down to something like 30K?  <response>: Part of it depends on age. I would talk to your doctor about how long they think you can wait and be ok assuming youre planning for biological kids.Honestly, I would say just wait two years. 