<prompt> Human: Alright, sorry for the wall of text, Im just really struggling with how to approach my debt.I graduated from dental school in the summer of 2015 with over 400k in student loans, did a one year residency where I put my loans on forbearance, loans currently sitting around 460k with interest rates around 6-7. Worked for a year on a 156k salary in an affordable part of CT, was paying around 3700month toward loans but not saving anything. Inherited about 25k, paid off a 10k loan from sally mae I had taken out when preparing for residencymoving cost etc, another 14kfirst,last,brokers fee,moving etc I put towards relocating to Boston with my gf of almost 5 years where Ive been working on a commission production we call it based income, by year end will probably be around 170k but rent is also over 1000 more a month, so dropped loan payments to about 2600month. Also not able to save much though I put aside more than needed for taxes independent contractorAlso racked up about 10k in credit card debt buying new furniture, paying for flights to peoples weddingsbachelor partiesliving a little large. My girlfriend also has about 10k maybe less now in credit card debt but no student loans. I want to propose soon ish, ring is going to set me back about 13-14k, putting down 50 and then can make payments after soon. Accomplished this by investing 12k in a SEP ira due October so Id have more disposable income now to make that 7k payment. This will also be my first retirement investment.Come Sept. 1 we will be moving into a condo my SOs mom purchased when the market was in shambles and has been renting since we didnt know if we would be moving back to Boston. Our rent will go from about 2700month to about 1400. My SO will be done making car payments of 1000month in November paying her car off in 3 years. I think we are both ready for a change of scenery but there are not many cities where we can have a nice place for 1400month, and no place in Boston pretty much so it may be our home for the foreseeable future while we prepare for life.So, things Iwe want to accomplish...Get engaged and pay off ringSave remaining money due to SEP ira in Oct about 7kPay off credit cardsPay student loans in smartest manner refinance and pay as fast as possible? As little as possible and be taxed on 25 year forgiveness?Save for a down payment on a home this feels unobtainable if paying off loans asap, should definitely pay off credit cards first?Marriage no rush here, though tax benefits and family help make this obtainableBiggest challenges: Maintaining current quality of life, especially for SO she was making good money, living cheaply, buying extravagant things before we met. Not making as much money anymoreBalancing saving vs paying off debts Size of debtDesire to stop throwing money away to landlords, move back to west coast, and own our own property is very strongSo, how do I do this? Do I hire a professional? Is it too risky to go with REPAYE and have taxes due on the forgiven amount? Is that my only way to purchase a home? Will it mess with my abilty to get a loan to open my own business if Im showing that Im making very small payments to a very large amount of debt?Assistant: Theres no way to sugarcoat this - you will need to spend a miserable 5 years living on rice and beans to pay off the student debt. If you rely on REPAYE, the tax bomb in 20 years will crush you. You absolutely cannot afford a 13k ring when you are 460k in debt and already racking up more debt on credit cards. Thats just madness. Human: Yeah thats what I came here prepared, and frankly needing to hear. The ring part is a sticky situation. Got ambushed when visiting her mom by her moms close family friend who is a jeweler. First diamond he came up with was 30k which was a hard no... Mom who has done well for herself is also offering to match up to 30k in the future for our first down payment on a house, so I dont want to insult her or my SO with a ring from a Cracker Jack box.  <response>: If your fiancee cares more about the size of the diamond in her ring than your financial future,... you may want to reconsider the marriage.You guys need to rent a small apartment, live frugally for the next few years. Maybe the wedding needs to be put off for awhile. Or have the ceremony later you can get married at the town hall for 100. 