<prompt> Human: bf is graduating from pharmacy school next summer. has approx 200k in debt. i make 80k a year. hell probably make at least 100k coming out i assume. assuming we get married in the near future, how long would this take us to pay off? any debt calculators to use? i dont have any debt except for a 10k auto loan. just trying to plan for the future if i do decide to propose and get married. both in our late 20s.  <response>: This is so subjective to where you are, what budget is feasible and what budget you actually follow. If you bot plan to live in a cheap 1 bedroom apartment, only have 1 car and not go out much, you could easily crush it in a few years. If you get married get a house have kids splurge on yourselves it could take over 10 years. If you want the loan gone ASAP I would suggest doing a yearly budget including how much you both clear and work down for that. The payment you arrive at will be high as little extra cash is hard to estimate for that time period. That is good because it will keep you more honest in a say 1000mnth budget on food you set for yourselves. My suggestion, youre both working professionals in Late 20s, your financial future is going to be pretty bright, likely a 3-400k household. Take the next 5 years to do double minimum payment, travel as much as youre able and very much focus on your relationship and sharing good memories together. Financially not the best choice, for general quality of life Id say it is well worth it. 