<prompt> Human: Posting on behalf of my girlfriend of 4 years. Here is our situation:My girlfriend has just finished her first year of two, plus licensing of a Masters in Counseling program. Thus far she has 64k in student loans, 44k of that is from undergrad Psychology, and the remaining 20k of that is from the first year of her masters program. Salaries for her expected positions seem to be around 40-50k per year.The school she is at is a great one, but there are definitely cheaper options around. To complete her program, she has one year left of classes, and would also need to go through licensing. Here are some options that have been thought up:1. Stick it out at the current school. Accrue 85k in student loans.2. Transfer to a new school to finish out the degree. Hopefully all credits transfer nicely.3. other?We want to do what we can to be well poised for a financially secure future, but unsure of how to proceed at this point in time. I currently have 70k in student debt and work making 74k per year. What should shewe do?  <response>: At this point the ship has sailed and realistically her best option is to graduate in one year, get a job as soon as possible and start paying it down.If transferring will take her 2 years to graduate then it will likely cost more in a new school. Especially when you take into account lost wages from starting work later.Even then there are some disadvantages of transferring because she will not have a reputation with her professors to help her find work. 