<prompt> Human: She moved in with me like 6 weeks ago. She told me she intends on taking 10 years to pay off her student loans and to just pay the minimum amount every month. Unacceptable in my book. Especially since she is 29 and is getting a 20,000 check from the government towards her loans since she teaches in an inner city. She went to state college and lived with her parents, her student loans should not be anything crazy. She doesnt buy anything crazy. However, when I met her she was living in a 1400 a month 1 bedroom apt on a 50,000 a year salary. Her payscale is public info and she is a tenured teacher, so I know she will make 90,000 when she is 40, just want to get her on solid footing in the short term as she makes 55,000, I make 74,000 right now and we live in a cheap 1 bedroom condo I own. Need to maximize this shit now while the living is cheap before having kids and whatnot. Could be set up real nice if we do this right. Kind of rambling. Dreading this discussion. Thinking of doing the discussion around a mint.com set up as that did help me out a lot I am a typical personal finance forum guy, no debt, etc.  <response>: Why is her taking 10 years to make payments unacceptable? You dont know the total balance nor interest rate. Sure, 10 years is a long time and she will pay more on interest, but you havent posted anything to suggest she is neglecting her finances. Just that being debt-free isnt her highest priority. If that is unacceptable to you, you may want to reconsider if she is a compatible partner for you. Financial compatibility is a very important thing.If she follows the flowchart, she will be fine. 