<prompt> Human: Appreciating the feedback. Something I think you guys are missing is the wifes income potential. She should start yr 1 at 150 yr 2 230 and by 6 years 400k all of this income we plan to throw at her loans until they are gone. Within 10-15 years we hope to be a 700-800k household Hi pfinance. I know you folks gets the occasional meddent person in here and more specifically I know how much you guys love to tear em down. Please feel free! But seriously, Ive got some PF questions for you and I hope someone is kind enough o help me answer them. So im about to be a new grad. Ive got major loans of course 560k. I am fortunate enough to have a wife and child Wife 27 years Me 30 years infant with me as well and my lovely bride has been accepted to and will matriculate into dental school in the fall we really love crushing student debt in our household . Her education will cost around 69k a year for the next four years. Student loans will be required for these expenses across the four years. I intend to pay off the interest that accrues against her loans during the duration of dental school bringing her around 276k in total loans.While she is in school according to my math anyway, I see no other way for me to approach the student loans than to choose the extended REPAYE revised pay as you ear.My real question is, how the eff do we become financially responsible adults? Buying a house seems like an insane option although the housing market in our area is absolutely booming. We live in northern New England in a smallish city. Heres the jist of my budget across the next year although its itemized further on my excel sheet.Net Housing including grocery - rent 1500 with heatinsurance groceries family of 3 500 a few other things 2,260Student Loan Me 850; Wife 449 undergrad 1299Auto Expense 200 gas 264 car lease 464Cell Phone Family 175Standard Health Insurance 433 HSA 50 Life 30 Disability 28 650Childcare 800Incidentals anything fun across the month including things purchased for child, unexpected auto exp etc 800Misc Alcohol 100Monthly IncomeSalary after tax 8,540Net Monthly Expense 6,470Net Monthly Savings 2,070Wife is currently working full time while I am in school but as I transition into practice she will transition into school. This budget is an estimate for when she is a student with no income.As you can all see I have no retirement contribution at the moment. At my job im eligible for bonuss at my work which will likely round to about an additional 1,500 monthly once I have worked 90 days. Once that starts coming in Im intending to put that either directly towards retirement, paying off additional wife student loans or saving for a house if that makes any sense?. Looking for some guidance here.Without getting too deep into the student loan stuff, with REPAYE Ill pay 1537; of my discretionary income after taxes against the loans for 25 years at which point im forgiven on the now enormous because I havent even touched the principal balance of the loans and taxed on what is forgiven. Estimated to be around 350k total in 25 years.Does anyone have any thoughts on ways I can best manage the savings? I.E. save until you have 20 k or save for your childrens college fund or immediately start putting for retirement once you have an emergency fund set up, or PAY THOSE LOANS.All thoughts, comments, questions or answers are deeply appreciated.  <response>: Your income is sooo not high enough to justify 560k in student loans. I dont think your wife can afford dental school either. Quite frankly you couldnt afford it either -- I wish someone had given you better advice 5 years ago. You guys are taking out almost a million dollars in mid-level interest debt student loans are usually in the 4-10 range, thats not cheap! for a household income of 2-300k? Such a shitty deal I cant even begin to comprehend it.Honestly, that level of debt is an emergency. If youre insistent on heading down this path, be honest with yourself. You cant afford to put money in retirement. You need to get serious about the loans. I dont know what the options are for part-time work with dentists -- can you work for 2 practices at the same time? You cant afford to buy into a partnership right now. Man, Im so sorry youre facing this. 