<prompt> Human: I currently have 248,000 dollars of student loan debt. Approximately 50,000 of that is in private loans. Half at 7, half at 10. The remaining 200,000 is federal loans at an average of 6.5 interest. ... Im doomed. My current plan is to enroll in IBR for the 200k of federal which as far as I understand will leave me on the hook for 10 of my monthly income which I am estimating at 70,000 pre-tax currently for 25 years and responsible for tax on the interest accrued at the end -- which is around 100,000 from what Ive determined not sure on accuracy of this. My plan is to pay: 1000-1200 each month on the private loan to remove it within 4-5 years. 400 a month to IBR due to 10 of salary. 200 a month into some form of investment to pay off IBR interest at the end of 25 years. I am also looking into buying a home with a girlfriend, who will put forth the down payment and then equal payments on everything mortage, insurance, taxes, etc. So two questions -- what should my budget be for the future home and is that a good or bad idea? and is this plan for eliminating my debt over 25 years sound or reasonable? Thanks for any advice or wisdom any of you may have.  <response>: DO NOT BUY A HOUSE!!! Youre already in a shit load of debt. Why put another shit load of debt on top of that. 