<prompt> Human: Im 32, my fiancé is 31. I switched careers at 24 and took on 80k in school loans 40k government, 40k private. Im in school for my masters right now taking another 40k in loans and she just finished her doctorate. I make roughly 60,000 a year and she is making roughly 30,000 doing her post doctorate. I realized recently that between the two of us we will have nearly 225,000 in loans with a combined annual income of 90,000. I know our priority should be to pay down loans first but we have a wedding coming up to pay for, own nothing both still paying off our cars, have very little saved for retirement, and no money in the market. I feel like Im throwing money away in rent and my goal is to buy a house in the next couple years so that we can cut our rent payments and start turning them into equity. We currently have roughly 20,000 in savings between the two of us. I am looking at starting a Roth IRA but I know Im supposed to pay down student loans first but it seems like an insurmountable number with our current incomes and goal to have a house before we have kids in 3 years. We also moved for her postdoctorate and have had a difficult time making friends so were dying to get a dog as we need the companionship but Im concerned about the potential cost that comes with it. Weve both been dealing with depression and my financial concerns have been literally keeping me up at night. I feel lost and overwhelmed Rent: 1550Utilities: 250Student loans mine: Currently in deferment due to full time student status and needing to take an 800month paycut to keep up with school. Im currently maxing my allowable government loans with an interest rate of 5.35 and using the remaining 5300semester once tuition is paid to pay my private loans down 6.49 interest.Student loans hers: about to come out of deferment and not positive what her payments will look like though she is going to need to do IBR plan for now.Car payment: 270 roughly 13.5k remaining with 1.9 aprInsurance 120I will also be receiving roughly 7,000 pretax in education assistance from my job in the next month or so, however I am hesitant to put it towards my loans yet as it requires an 18-month commitment to this employer where Im already unhappy and we will likely move in 12-13 months from the area. The amount that I would pay back would be prorated, however I feel it would be better to keep the money in an account in case we decide to leave sooner as the agreement states payment would be due immediately.Any advice on some smart financial moves and how I can both pay down these loans and still buy a house in the next two years which when Ive used mortgage calculators will free up roughly 700-800month that weve been paying towards rent and I feel I could use to pay down other debt and just get some sleep without needing to take a Xanax to turn my brain off would be massively appreciated. Thanks in advance.  <response>: Heres the reality: you cant do all of that on 90kyear. Its a math problem, and its impossible to make good progress on 225k in debt, pay for a wedding, save for a down payment on a house and also save for retirement. Youre stressed out because youre trying to do something that wont work. Your first priority should be improving your income. You both need to use these degrees to get jobs that are able to handle that debt load. If you didnt set yourselves up to do that, then youve made a choice to fight a bit of an uphill battle, and youll need to accept that you traded expensive degrees for future financial breathing room. Your second priority does need to be your student loan debt. Everything you do other than pay that off, you are financing at the interest rate of that debt. Your fiance can not have a frugal wedding all she wants, she also doesnt have the money to pay for anything else. She has a doctorate instead. A mortgage payment might be less than your rent payment, but once you factor in additional utilities currently included in your rent, maintenance costs, transnational costs of buying a house, and the fact that very little of that payment goes to equity in the first 3-5 years, youre not building very much equity compared to the money youre spending on that 225k in debt. If theres any way you can stick out the 18 months to get that 7k from your employer, thats a nice bonus. Its basically an extra 400month. If moving doesnt get you that much extra either saving on things like rentCOL or increased pay, I would wait it out. 