<prompt> Human: Currently a 2nd year medical school student projected to graduate with about 400k in loans at an average of 7 interest. I was fortunate to graduate without any undergrad debt, so my loan burden is comprised solely of Direct loans, i.e. the loans are eligible for IBRPSLFPAYE assuming they will be around by the time I graduate. I am also currently engaged to a dental student who will be graduating with a near identical loan burden. Our combined income pre-tax should be around 400k, after I complete a 4 year residency. I am fairly new to the area of personal finance and have followed this subreddit for a long time. I would appreciate any advice or resources that could help with understanding the most feasible way of paying off these loans. Honestly, looking through past threads and the sidebar make paying off this massive a loan burden seem nearly impossible.  <response>: Youll have high debt with a high income. Its pretty proportional to people who graduate with less debt and less income. Live frugally for a few years and youll be fine. 