<prompt> Human: Hey reddits, Im in my sophomore year of college and getting my degree in business. By the time i graduate i should owe around 70k with interests. Is this bad debt? Would i be okay? Just need some in sight on my future. Thank you.  <response>: depends on your income. a crude rule of thumb is that student loans less than or equal to your first years salary are manageable. if you can expect a 70k starting salary, you might be ok if you follow a strict budget and have some discipline. if youre gonna earn 30k, might be more trouble. 