<prompt> Human: He graduated about a year ago with a MFA in film and over 100,000 in school loans which he has already defaulted on. I graduated a month ago with a B.S. in education and no debt. We are getting married in a year, and I am freaking out. My parents always emphasized living within our means, and I cant wrap my head around taking on this much debt.His income for this year will be around 40,000. I will begin teaching in the fall and earn 31,000 my first year. There also is a wedding to pay for, but I have a hard time justifying that when we have this huge debt hanging over our heads.What are our options? How do we tackle this?  <response>: Start with a budget. 100k in student debt on a combined 70k salary is tough, but doable. 