<prompt> Human: Hello PF! My girlfriend and I are currently a DS4s at a public dental school in Texas and are trying to plan our next financial steps. Total debt for both will be close to 400,000. We are 27 years old and want to know where to start planning. Start a retirement? Focus on paying off student loans. We dont have any debt outside of the student loans, any advice would be appreciated!  <response>: Get jobs, continue to live like broke college students until debt is paid off. Only exceptions should be contributing enough to employer-sponsored retirement plan to maximize employer match, and max-funding HSAs, if applicable. 