<prompt> Human: Hi, all! Im a first-time poster in rpersonalfinance who could really use some advice.Heres my situation: Im an American 24yo female just finishing up a second Masters degree in the UK. My first Masters I didnt pay for, but my undergraduate and this current degree have price tags on them.My undergraduate student loans have raised with interest to a little over 30k in the past 4 12 years, and I took out about 44k in loans last June to study and live in the UK this year. Over the past year this amount has raised to 50k, leaving me with 81k total.I have a job secured in San Francisco beginning September which pays 70k a year with benefits, a salary review after the first 6 months, and a yearly bonus. Having lived off of 15k a year before in Maine, I thought this was an amazing financial situation at a job I love until I realized the full extent of 1. my student loan debt combined with 2. the cost of living in the SF Bay area.My US FedLoan exit counseling estimates that my loan amount under a Standard plan would be 910 per month, which is out of the 5k Ill be making minus tax deductions. They estimate that my debt burden will be High its listed in red and quite scary looking and that I should be making at least 136k gross income with my amount of debt. Even the Graduated plan option which has lower payments initially but a larger total amount lists my debt burden under this plan as High and says I should be making at least 78k. Here are the two options:Standard - 910 per month - 109k total - 10 yearsGraduated - 516 per month - 116k total - 10 yearsThere are other plans, but they last for 25 years and often require special circumstances. Id like to be free of this debt as soon as possible while still maintaining a relatively healthy life balance.Im looking into housing in the Bay area as we speak, mostly in Daly City and Oakland since theres little chance of my affording to live in San Francisco. The very lowest prices Ive seen for one room in a shared houseapartment run in the 850-1,000 pcm range, and I still have to look into whether or not these are in safe neighborhoods or even reliable postings, since most 1 bedroom apartments seem to go for at least 2.5k. I have little idea how expensive groceries etc. will be, but I dont plan to buy a car at first, because the BART system seems convenient enough and far more affordable.What can I do to manage my financial situation? Is there any way to deal with these loans and still have a sustainable life in California? Im excited about moving into the professional world after all this schooling and I love my new job, but am afraid that these loans will get the best of me if I dont have a thorough game plan from the get-go.Any and all advice would be highly appreciated - thanks, folks.  <response>: Wow. Thats quite the debt. I hate to say it, but I would highly, highly recommend turning down that job and look for a job thats not in California, Illinois, or New York. Youll never climb out of that hole with the taxes and room rates alone. 70k isnt a lot in the bay area. For example, using the cola calculator, the cost of living difference between Charlotte, NC and the bay area is an astounding 83 higher. So if I were in your shoes, i would turn that job down and find a new city to live in that wont leave you drowning in debt. If you have two masters, chances are youll find a similar paying job elsewhere and be in a heck of a lot better situation 