<prompt> Human: Background: Im in my later 20s, debt free, 135k salary, 6mo emergency fund, solid 401k and starting to explore other investments.My spouse is also in her later 20s, 40k salary, and some emergency savings. She went to Culinary Institute of America, and has been pursuing culinary arts ever since. Problem is she graduated with nearly 80k in student loans into a notoriously low-paying career. She has several loans, some federal, some private and some approaching 13 interest. Her loan payments are around 900mo just to make the minimums and with us livingrenting in the NYC area shes having trouble making bigger dents in the loans.We share the same financiallife goals, are passionately in love and want to buy a house someday.What are the best financial decisions we can make NOW to insure that were both moving in the right direction?  <response>: Did yall just get married or decide to keep your finances separate? 