<prompt> Human: I was fortunate enough to have a full-ride scholarship and I was also the first person to go to college in my family, so I really dont know how much debt is normal upon graduation. She is going into the Air Force and her degree is not a tech degree. Her salary will be about 42,000 starting next year, and over the course of about 4 years will increase to about 75,000. She only ever received loans and was never awarded any scholarships or grants. She took out about 70,000 in Parent Loans, and her parents arent paying on them at all. Is that normal? I thought the point was that parents were supposed to pay on those loans as well...Anyway, she wont be getting her salary until next May, yet her loans are going to have payments due starting this November. She has loans from two different sources - one about 70,000 the Parent loan and the other about 30,000 her loans. The interest rate on these loans range from 3.5-7.9. She is eligible to take out a USAA loan for 25,000 at a 2.9 interest rate. Is it smart to take that out and pay off the higher interest rate loans with it? Her loan plan looks like a 10 year plan to pay off the majority of it. We really want to pay it off in at least half that time. Is it possible? Is anyone else in this boat, or were in this boat? What did you do, how did you manage? Thanks so much! Assistant: Is she eligible for student loan repayment? Im just asking because Im employed by the Air Force starting Monday with a very similar pay schedule and I get 10kyr of student loan repayment for 2 yearsHuman: I wasnt aware of this. How did you find out about this program?  <response>: Theres info online, Id suggest google. Also have her ask her boss hiring manager. Its a huge perk of joining. 