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[quote=Anonymous]OP, we have 320k in loans, a 445k mortgage, 50k in debt from medical expenses, 2 daycares. We make 200k.  It is tough. We don't eat out. We have one car. There is no gym membership. Both my dh and I should apply for loan forgiveness with our jobs but DH got screwed by Naviant or whoever they are now and is on the wrong payment plan. I am trying to make sure I am on the right payment plan but it looks like the program will go away. I actually planned a career in public service with my advanced degree but now thinking of moving into the private sector which would bring us to 250 or 260k. I know some things aren't forever. Daycare costs will drop and the car will be paid off in three years. Plus we are building equity in our house. We are in our late 30s/early 40s, so everything will be paid off by 65. We also have about 400k in retirement and my dh might inherent enough to invest and use the interest to pay off the debt. If I can get loan forgiveness our lives will be much easier in the next decade.[/quote]

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