<prompt> Human: The facts:Im an example of over borrowing and not understanding what was being signed by myself and my parents. Its my biggest regret in life how I went about paying for college, but Ive managed to secure a decent jobliving as has my wife. Ive reached a point where I feel like I may be able to make a dent in some of this, but my wife and I are not sure how to completely tackle it.My Student Loan Debt:45,000 via Navient avg. interest rate 6.8 across 10 loans54,000 via MyFedLoan Parent Plus Loans in my Parents name - Has 12,000 interest about to capitalize because they were put in deferment for the past year. - avg. interest rate 7.9 across 8 loansWifes Debt - 65,000 via MyFedLoan - avg. interest rate 4.45 across 14 loans - Currently In Grace Period ends in JuneCurrent Payment PlanI am on the IDR plan with the Navient Loans - The payment is minimal about 200 currently.The MyFedLoan payment is predicting to be 891 on the Standard Plan.My wifes payment, on a standard plan, will likely be 600.My questions are this: I cant do anything about the Parent Plus loans because theyre in my Parents name. The balance of those loans will not impact loans in my name or my wife s name. Is there a good way to refinance them to make the payment more affordablebetter interest rate?Secondly - I dont want to pay on these loans for 25 years. However, is it best to choose a plan that has lower payments so I can begin paying on top of it to more quickly eliminate higher interest loans?My Wife works at a large hospital that is a Non Profit hospital - Perhaps she qualifies for PSLF?Our Budget:Monthly Take Home: 7175 after 401k, taxes, health insurance Mortgage: 1250 Cars: 500 Insurance: 160 Cells: 140 InternetTV: 100 Utilities: 250 Daycare: 650 Entertainment: 250 GroceriesDaily: 900 4200 total not including student loans We have no other debt aside from CarsMortgage. Cars will be paid off in 2 years and we intend to ride them until they no longer function.That leaves us 2675 for savingsstudent loans. Ideally wed put 1500 towards Student Loans and continue to save the other 1175. Across 10 years thats accounting for 180,000. I can expect 3-5 raises annually and my wife can expect about 3.Is it that simple? Im tired of only scratching the surface with interest payments. I apologize for scatter brain and will happily answer any questions, I want to take the best steps forward towards securing a strong financial future and not make any more huge mistakes. We have an almost 2 year old who could eat a horse.Any input is greatly appreciated.dropped dailygroceries to 900, will track over next few weeks to get more accurate numberAssistant: How are you spending 1,200 a month on groceries? Theres only two of you.Human: 3 of us, we have a child note the 650 to daycare each monthAssistant: 1200 is still way too high for 2 adults and one 2 year old. Human: Yeah. Our grocery budget for two adult people is 225 a month. 500 for two adults and a toddler should more than suffice. Assistant: I have no desire to have a 225 a month food bill. Without trying we are about 500 2 of us. Although every few months its much lower because I clean out the pantryfreezer and try and only buy a few items. We are okay with how much we spend. However, we do not have 110K in student loan debt either. Not sure how much they have in car loans 500 a month on top of that. If we had such debt you better believe we would be cutting back on foodeating out to put more towards debt.Human: Need to have vehicles to get to work.. Dont exactly live where public transportation is an option  <response>: I get you need a vehicles. Even if justified, its still debt.Your lifestyle creep is the issue here. The students loans most likely have been around before the car payments and mortgage. Even if they were deferred they were still around.Glad to see you are dropping your fooddaily budget. 