<prompt> Human: Hi there, Im a dental student, about 20 months away from graduating with my degree. I live and go to a very expensive university 4 year doctoral program. After accounting for interest, housing, and tuition, Ill most likely be around 500,000 in debt. Im single, and can definitely live with my sibling or even my parents for a while, after graduating to help pay off my loans. But being in the northeast and all, what is the most efficient way of paying off my loans, the earliest? Im not sure about my interest rate but I know that I was told my interest alone on 500K would be 40,000 dollars, which is heartbreaking to comprehend. I feel like Im in a never ending hole, and Im digging myself deeper and deeper literally everyday. But I really dont have a choice, I need this education, and I honestly love this profession. Reddit, what the hell can I do right now, and right after graduating to pay this off ASAP? Im open to all criticism and opinions. Thanks! Edit: I didnt expect this to blow up as much as it did. Im really grateful to everyone who replied, most of them have been really constructive, and helpful. For those who asked, Im 24 years old.  <response>: Dental practices are the easiest to make profitable. Find an office that is BOOMING for a brief associateship, watch and learn. Act as if your life and livelihood depend on the practices success. Do not worry about the money. A good office can gross over a million a year, youre going to be just fine. Also, investigate practice management groups. Do NOT commit to one, typically they have student programs available. Im in a similar profession and went into practice on my own without having a mentor. Big mistake. The most important part of earning money will have very little to do with your technical skills. Learn the business side while someone pays you to do so and then make the leap to solo practice. A good friend is an endodontist, he paid off a 745,000 construction loan in less than 3 years ... focus o learning the business ONLY, the rest will take care of itself 