<prompt> Human: I was reading this thread about how to deal with pending student loan debt on the verge of marriage. It terrified me because I realize Im in an even worse situation than this guy.My fiance and I will have a total of 140,000 in student loan debt by the time he graduates grad school 110K for him, 30K for me from undergrad. I also have a car loan of 10,000 needed to do it, our old beater broke a piston on the highway and I needed a reliable vehicle.Combined, we make about 45,000year right now. Were getting married in 2014.Background: hes a musician, Im a journalist. Right now he is a receptionist at his college and he hopes to get a full-time position there.I work at a small-town paper, but Im switching to public radio better pay. I can foresee us moving up to combined income of 55,000year by 2015.Were both very early career Im 22, hes 24 and neither of us intends to stay in our current position for more than 18 months.Both of our jobs offer 401ks, to which we both contribute very minimally ie: chump change. Is it even worth thinking about retirement at this point? Is buying a home even in the picture within the next 20 years? Would a pre-nup even be worth it when neither of us makes any money?Sorry this got long and maybe theres no way to help other than to be frugal, make payments on time, and inwardly wish for a giant pile of money to fall out of the sky. Its just depressing to see my net worth on Mint at -40,000 and only know that it will triple next year. EDIT: Thanks to those who are offering advice and not criticizing life choices. We cant change the money that was spent on our education, but we can happily do what we love, if albeit living on a little less than what most of you think is comfortable.  <response>: Youre as doomed as you choose to be. Get on a budget, get a second job for a while, throw all your money at the loans and youll be fine. Mope around about your debt while making minimum payments and 20 years from now it will still be there and you will have been miserable the whole time. 