<prompt> Human: After doing undergrad and grad school, I am now 200K in debt. These are mostly federal loans and I have been doing IBR for the past three years since graduating school. Now Im ready to get serious about my money situation but Im not sure if my plan makes sense. A few factors to consider: I recently moved across the country for quality of life reasons, which was fairly expensive, and am now in a small amount of credit card debt 3,000. My monthly expenses have gone down with the move, so I think this will even out eventually. Salary: 63,000 with bonuses that could raise me to 70,000 Rent: 1200 already have a roommate I already budget using YNAB, which Im slowly getting better about checking before making purchases Employer has a 3 match simple IRA that Im gonna start contributing to next month. Ive got about 16,000 in a 401K from last job that Im going to invest. I spent 3,000 on my cat last year due to unexpected vet costs, this was the moving money that I had saved up Not married, no kidsCurrent plan: 1,225month towards student loans with avalanche method. To make this really work, I need to get this up to 2,000 but struggling with that. Budget using 63,000 and throw any extra bonus money towards loans Pay a couple hundred towards credit cards a month plus pay off any new purchases in fullAm I missing anything or is this just gonna suck for a while? Theres definitely part of me that says screw it, I cant be hermit for 15 years and I just should invested as much as possible to save up for the IBR tax bomb.Assistant: Can I ask what your degrees are in?Human: Doctor of Physical Therapy. Its a great career and I enjoy so many aspects of my job, but I dont think Id make the same choice again. The debt is just ridiculous. No one told me that it would be so terrible post-graduating. My parents say they feel so bad they cant help every time I mention my debt. Well, telling me not to take it out would of helped.  <response>: Thats kinda on you though man. You were old enough to sign on them, and you were old enough to do a little research on median salary for your field post graduation. Not trying to berate you but its really something you should have thought about 