$97,000, age 51, down from $650,000 between mortgage and student loans 20 years ago. One of us worked while the other was in business school/law school so we only needed loans for tuition, then we chose a smaller house/mortgage in order to be able to pay off the student loans within 10 years, then we benefited from refinancing at crazy low rates 5 years ago. Timing and marriage worked in our favor, choices also mattered a lot.