<prompt> Human: I have student loan debt, and every new job I acquire just means I can pay off my loans faster, but I still feel like no matter how far ahead I get, Im still stuck on square -1. So whats it like not being in debt? Do you make investments? Do you live more luxuriously? Do you get into something cool or creative?Assistant: Save it instead of spending it. Spending is what get people so far in the hole in the first place.Human: I spent my money on receiving an education. I think Im just bitter because for years, adults always said you can be whatever you want if you go to college and learn, and here I am, 3 years out of college and 14th of my income goes to paying off a student loan that inhibits me from doing most things, like having a decent and happy life money is tight. I suppose it will pay off eventually but its still very much a depressing cloud over my head most days. Life is weird sometimes. Assistant: If money is that tight, why not get on IBR?Human: Currently on that, actually.  <response>: Shouldnt you only be paying 10 of your income, then?Or do you have some private student loans that arent part of IBR? 