<prompt> Human: Hey everyone, so Ive never posted much but have lurked for about 4 years. I apologize in advance for bad grammar and anything else, but I would really like some advice. If it makes it easier Ill try to use bullets.-Graduated a state school in PA in 2013 -Education degree to teach math 7-12 grade. -After 4 years and deferred payments I left with over 90k in debt.-Paid off 41k in the past 2 years.-Now have 65k left-Minimum payments are 1kmonth.-have loans through parents plus stafford-current rates are 8.6-roughly make 35-45kyear between 2 jobs-am going to try to consolidate loans on Thursday.I guess my questions are this. Is this a normal student loan amount? Why does mine seem higher than most everyone I talk to? I realize everyone has different career paths amd different schools cost dofferent amounts am some people are fortunate enough to have parents to help them but even still this seems alot. I left most of the financial planning to my parents as I was only 17 the time and I was not responsible enoughready to figure out on my own and my mother decided to take the reigns. Besides consolidating what other advice is there to help me? I just saved up enough to get engaged after 6 12 years and want to have a wedding in 2017 when I realistically think I will be able to afford it. Was parents plus a bad choice? Most people I know discourage anyone from venturing down that road due to high rates. I would like advice on where to go to take out loans or what to do for when my kids come of age so I dont have to make them suffer as I do. Ive tried googling it but i honestly cant make heads or tails of whats legit amd whats sheisty. Please help Reddit youre my only hope.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Hey everyone, so Ive never posted much but have lurked for about 4 years. I apologize in advance for bad grammar and anything else, but I would really like some advice. If it makes it easier Ill try to use bullets. -Graduated a state school in PA in 2013 -Education degree to teach math 7-12 grade. -After 4 years and deferred payments I left with over 90k in debt. -Paid off 41k in the past 2 years. -Now have 65k left -Minimum payments are 1kmonth. -have loans through parents plus amp;stafford -current rates are 8.6 -roughly make 35-45kyear between 2 jobs -am going to try to consolidate loans on Thursday. I guess my questions are this. Is this a normal student loan amount? Why does mine seem higher than most everyone I talk to? I realize everyone has different career paths amd different schools cost dofferent amounts am some people are fortunate enough to have parents to help them but even still this seems alot. I left most of the financial planning to my parents as I was only 17 the time and I was not responsible enoughready to figure out on my own and my mother decided to take the reigns. Besides consolidating what other advice is there to help me? I just saved up enough to get engaged after 6 12 years and want to have a wedding in 2017 when I realistically think I will be able to afford it. Was parents plus a bad choice? Most people I know discourage anyone from venturing down that road due to high rates. I would like advice on where to go to take out loans or what to do for when my kids come of age so I dont have to make them suffer as I do. Ive tried googling it but i honestly cant make heads or tails of whats legit amd whats sheisty. Please help Reddit youre my only hope.---I am a bot. Contact pentium4borg with any feedback. 