<prompt> Human: Hey guys,So my fiance has 100k in student debt and will have a 30-40k salary I realize the magnitude of how terrible this decision was for her, and so does she but we are now in the current situation and are trying to find the best way to deal with it. I have 50k in student debt and a 65k salary and am on a debt repayment plan that will last 4 years depending on how aggressively I pay down my loans. The obvious answer to my OP is that when I marry her I marry her debts as well and we will have a collective 150k in loan debt and a salary of 95-105k.One alternative I have done some research on, but am not totally sure how it works is the income based repayment and forgiveness after 20 years plan. In theory, could we get married but still file separately, so she could pay 10 of her income towards the loans for 20 years then be forgiven without it affecting me? I have done the math and it would not make sense for us to do income based repayment if we have to include my salary in our household income because we would pay it off before the 20 years are up. Any advice is greatly appreciated. Thanks in advance!ps Assistant: Paying off 150k on a 100k salary is not impossible if you live on nothing and take extra jobs. I sure as heck wouldnt let it sit around for 20 years. Human: Youre right. Living on beans rice for 5 years and throwing all of our extra money at these loans doesnt sound fun but having a looming debt cloud for the majority of our adult lives doesnt sound fun either.  <response>: You guys are going to be making 100kyr. Even if you throw 30kyr at these loans, you are far from rice and beans. Taking into account the taxes on that, you would be essentially a 55kyr household which is just about the median household income, far from luxury, but far from rice and beans. 