 It's mostly student debt. We got about $10,000 of a car loan and pretty much all the rest of it is student loans. What's your household income? Together we bring in about $95,000 before taxes, though we're looking to do side hustles, work overtime, hoping to get that more up into the $120,000, $130,000 range, but baseline $95,000. Why so much in student loans with a sub-$100,000 income? What were the degrees in?