<prompt> Human: I just graduated professional school and have 400k in student loans. all of this is very overwhelming and im not sure where to start, what my options are or how to go about taking this all in. any advicehelp in appreciated.According to nslds, this is the loans i currently have: loan typeoriginal principleCurrent PrincipleCurrent Interest Owedinterest rateinterest rate typestatus:---:---:---:---:---:---:---Direct Stafford unsubsidized40500405001629.976fixedgraceDirect Plus Graduate39381393811849.117fixeddefermentDirect Stafford unsubsidized40500405003606.315.31fixedgracedirect Plus Graduate40500405004285.56.31fixeddefermentdirect Stafford unsubsidized40500405006248.925.84fixedgracedirect Plus Graduate45462454628215.616.84fixeddeferementfederal perkins800005nagracedirect Stafford unsubsidized40500405008164.265.41fixedgracedirect plus graduate34595345958263.076.41fixeddeferementdirect Stafford unsubsidized973713338.84195.486.8fixedin repaymentdirect Stafford subsidized27632801.6923.913.4fixedin repaymentfederal Perkins200005napost deferment grace perioddirect consolidated subsidized3609.843578.6777.026.55fixeddefermentdirect consolidated subsidized2105.772087.5944.936.55fixeddefermentdirect Stafford subsidized55005483.0746.773.4fixedin repaymentdirect Stafford unsubsidized20002848.0141.746.8fixedin repaymentdirect Stafford subsidized55004404.6461.755.6fixedin repaymentdirect Stafford unsubsidized20002273.9933.326.8fixedin repaymentFFEL Stafford unsubsidized20002559.8437.526.8fixedin repaymentFFEL Stafford subsidized55004462.6267.016fixedin repaymentFFEL Stafford subsidized450006.8fixednon-defaulted, paid in full through consolidation loanFFEL Stafford subsidized262506.8fixednon-defaulted, paid in full through consolidation loannbsp;with all these loans, i am a little lost as to where to start. the loans in repayment are from my undergrad. the loans in defermentin grace will be in that status until around 112018. Navient does not show my perkins loans either. Anyone can offer any advice as to whether i should be paying off interest because im not sure ifwhen what loans will capitalize. just looking for general guidance, thank you.Is there anything I should be doing before these loans are out of their grace of post grad deferment status?Should I pay off the interest first or just pay down principle?Edit: appreciate the responses, Im at work for a few hours, but Ill get back to everyone!  <response>: I think your issue is not that you cant pay these off, you can. The issue is there are too many. I got stressed just scrolling down the list.Call your school and ask for the financial aid office and find out what your options are for loan consolidation. As a dentist you will have a stable, lifetime income so you should have no problem getting these loans consolidated into one monthly payment. Sure itll be a mortgage but 400K now vs 4 million over a 25 year career at 150K fixed a year is a good investment and one you should be able to pay off within that timeframe. Just align your thinking. You do not earn X. You earn X-those loans. So if your salary is 150K but you are paying 50 a year in loan payments you need to live as someone making 100K. That is the most important piece of advice for someone starting out. Its not what you earn its what you KEEP. 