<prompt> Human: Over the 7 years of schooling I have accrued about 120,000 in student load debt. Unfortunately, I am in the alternative healing field and my annual income is only about 30,000. For the past year, my loans have been differed, but Ill slowly start paying that off soon. Should my loans be tied to my income? How should i start paying this off? Ideally I want a family and house in a couple years, but I dont know if I can afford this. Any advice would be much appreciated!  <response>: Ideally I want a family and house in a couple yearsYoure not going to be able to afford this for a long long time. Unless you somehow find and marry a rich spouse. 