<prompt> Human: I have approximately 100k in Federal Loans, with an average of 6.2 interest.I accumulated most of that debt in grad school, and now have a pretty solid job as a market researcher, earning around 89k in a high cost of living area.1. Im not sure what a responsible amount of payment should be, while living a relatively comfortable life. Should I really just be putting all my money into this debt? No spending on gym or on travelling? How do you find a spot of balance? Is it responsible to just pay minimum payments?2. I spent only the last 2 years in America but am a US citizen, and I dont have a lot of American friends to compare against as I stayed mostly with fellow internationals. What is normal? How much debt do people have typically, and how do they maintain it? Am I in a relatively good or bad spot?3. How do I set a reasonable timeline for myself to pay this off? Its hard to predict increases of income, bonuses and the like... And the amount of money seems impossibly large. I dont know how Ill do this.Honestly I feel like I have a LOT more questions that information alone doesnt answer Ive read the FAQ already and more... But the biggest overarching issue for me is the anxiety that the debt creates. I want a sense of things are gonna be ok or this is the size of the challenge and this is how you need to deal with it.  <response>: If you only pay the minimum payments the amount you owe will not typically decrease. You will be looking at payments around 700month at the lowest to tread water. Make a budget, get an emergency fund and pay this thing off before it gets out of control. 