<prompt> Human: OK, just found this sub and read through a lot. Understand that I am kind of new to paying loans, interest rates, investing, etc., but I am focused now to learn as much as I can. A little back story, I have just graduated a private college with a degree in the medical field. The tuition was high, and I took out extra loans grad plus loans to compensate living expenses. I currently have 269,000 in federal loans with interest rates between 6 and 7. I know thats crazy, but I have been offered a job starting at 127,000 per year. By the end of this summer, the only debt I will have will be the student loans and my house, which is at 6.35, but I plan on refinancing once I start my job. This huge student loan is pretty daunting, and I want to pay it off quickly. My goal is 7 years. Ive talked to several other people who work in the same position that I will be in, and they went on the same school, so about the same amount of debt, but they laugh at me when I tell them this. They say wait until you see how much they take out in taxes or theres no way youll be able to do that and live a comfortable life. Even after 30 taxes and 5 to 401k thats my max, I could pay 4,000 per month to the loan and still be left with around 2,700. House payment is currently 800. I could live off whats left over and still start putting some money into the emergency fund. Am I missing something here? Is there anything that I am overlooking? Also, does anyone have an alternative plan that I can consider? Thanks in advance.  <response>: Lifestyle creep is very, very common in the medical and legal fields, or any other field where you get high pay after high schooling cost.It is certainly feasible for you to pay off your student loans in a short amount of time, but many people in your situation just start piling on even more debt, because they think I already have hundreds of thousands of dollars in debt, whats another 50,000?Live modestly until you pay off your loans, and youll have no issues. 