<prompt> Human: Hello.30 year old who has just graduated college. I have racked up some significant debt over the past four years by pursuing my degree after I got out of the army. It seems that life is all about unexpected expenses major car repairs, cat getting very sick, moving to new city for job, break up and needing new furniture and I was very vulnerable to these being a full time college adult. My credit card saved my butt, but now it is time to pay up! At least, I do not have to worry about student loans :DSo, have any of you been facedare facing anything similar, and if so, how have you overcamedealing with this?Thanks.Assistant: Be frugal. Dont let the fact that you are now making money lead to lifestyle inflation. Continue living like a college student, and you should be rid of that debt in no time.Human: i am actually living a lot more under my means. I pay half amount of rent because i am renting a room versus having my own apartment. I just hate falling asleep every night knowing i have to put half my monthly wage towards my debts so i can get them down.  <response>: Given that youre financially able to make those giant payments, think of it as I GET TO put half my monthly wage towards my debts. I would kill to be able to knock out my debts on a 70k salary, and Im at 33k debt between my car and school loans. Think of it as a game--how soon can you get down another 100, another 1000? Challenge yourself to buy your financial freedom as soon as you can. Make it a mental positive to pay down debt, because that changes how you feel about the situation more than even having less debt. 