<prompt> Human: Hello rpersonalfinance, heres my predicament.I was a great high school student who received substantial scholarships to attend college about 80,000, but after 4 years at a private school undergrad, and 2 years at a private grad school I am sitting with 61,000 debt.As a first year teacher I make 40,000. After taxes I receive 2,300 monthly, and 700 is spent on student loans every month. After loans, bills, food, etc I pretty much break even. I had been putting aside 200 monthly into savings, but this had to be used for a couple vet bills and car repair.700 a month is too high, but I am afraid to go down to income based repayment because I may never escape the debt due to the interest. As a teacher, my income will not change substantially. What would be a good approach for my future to make sure I am financially stable for myself, and my future family?I turn this to you reddit, I could really use some help right now.Cheers!  <response>: As a teacher with 61k in student loan debt you will never escape that debt without severely compromising your quality of life for the next 10 years. PSLF exists for you, you need to use it. If you stay as a teacher for 10 years they disappear and PSLF doesnt result in a major tax liability when they get forgiven unlike standard IBR. 