<prompt> Human: My SO has a debt of about 100k. I will have a debt of about 40k. Our combined income when we graduate should be around 120k. Was this bad planning or are we okay as long as we plan correctly? If there is a calculator that I can be directed to, I dont mind doing the work myself.  <response>: That should probably be considered as an upper bound of being reasonably easy to pay off. Following that guideline helps people not take out 100k for a job paying 30k annually. As uaBoglehead mentioned, your debt should be as low as possible. All that matters is that you work diligently to pay it off, not matter what the amount. 