<prompt> Human: I am in my last year of training as an emergency medicine resident living in a big Midwest city. I have about 80,000 of student debt from undergrad and 230,000 of student debt from medical school interest rates ranging from 3.4 to 6.8. I went to med school straight after undergrad and started residency right after med school. Resident salary for the past 3.5 years was about 50,000 working close to 75 hours per week so I was only able to make close to minimum payments. Since interest has been accruing while I was in medical school and residency, I have not even begun to dig into the principal debt. Thankfully, I just accepted an offer as an emergency physician with a starting salary of 230,000. Im having trouble coming up with a plan to start paying back my debt as I also want to get married soon fiance is a public school teacher and I will need to help my parents financially immigrant parents struggling to stay afloat. Honestly, Im scared to live frugally for the next 5 or so years because I feel like Ive missed out so much during my life already 30 years old, havent traveled anywhere, been driving a clunker, never owned anything, never been able to really help my parents who risked their lives to come to this country so I can have a better life. And after being around sick people young and old during the past 8 years my biggest fear in life is dying or getting sick before being able to enjoy the world. I am scared to wait until Im in my mid 30s to start having fun and enjoying my life. What should I plan to do in the next couple year? Pay most of the debt and save on interest or make standard payments and start doing the things that I really want to do? Somewhere in the middle? Any advice would be appreciated. Assistant: And consider adding a shift or 2 per month. That money goes straight to the debt. . Also could develop a side practice as ER or other based on background Expert Witness. It will be slow growing at first, but the money is good.600 per hour in CA.Finally Been almost there. Its doable. I am a different story but finally paid off mine last year. It took awhile and frankly I wasnt diligent. Credit cards were paid first since interest rate is higher. Then it was laser focus on the student debt.Hang in there. Play at least a little - save for e good life. But youve done great. Hang in there, stay curious and play... at least a little. Human: Havent talked to EM docs thatve done this. Will def look into it. Thank you! Glad you were able to pay off your debt.  <response>: Locums!!! 