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My student loans, hospital bills, and 18 months left on our car. After this car is paid off, we'll be getting another car so we won't be debt free for awhile.

We are debt free.

A lot of student loans? Somewhere between $200-300k combined. I don't even know? And just added a 0% car payment last night! I don't mind any of it though. It'll all be paid off within 10-15 years I think? And we choose to save separately instead of pay them down.

I have a student loan of around £15K but it's very low interest and as I SAH I'm not currently paying anything back.

@LindsayInNY: Same boat here. We have two sets of law school loans but the interest rate on most of them is lower than the rate of inflation for housing in our region so we're saving for a down payment. We'll be done with them in 8 years, but the total started at almost $300k.

12K including car and credit card.

$63k student loans (me)
$5k credit card (both of us)

My repayment plan for my loans has me done in 26 years. Ouch! Which will mean that I will be paying the loan x2 because of interest. Our plan right now is to pay down our credit card debt by the end of the year and then with DH's raise he will be the primary saver. I will then up my payments for my loan, I at least want to get it down to not be around the same time LO is in college. Ugh. I need to make more money, who told me to have a bleeding heart and work in non-profits?

@DillonLion: thank you
I'm so impressed, it will all be so worth it next year when you have all that spare money. I tend to take debts over a bit longer and have some cash to splash, I wish I was more like you with money.

Debt free!

We just make payments on one car.

Law school loans is our only debt. It's a single family home in the south. And I went to a public school on scholarship. SMH, it's all a scam. Just kidding. We make too much to qualify for the loan forgiveness program, which doesn't really make any sense. Yeah, we make a lot on paper, but $$$ goes to student loan payments each month. It makes it hard to save for a house, but that's a whole different story LOL. We both drove the same cars we got from our parents when we were 16, and my jetta finally died while I was in law school. I bought a used Honda that I could pay off quickly, yet will also last a while. So, we don't have a car payment thankfully.

Law school loans and a new car.

After four years of my husband having major medical problems and being out of work, we declared bankruptcy this year which wiped out $221k in credit card and medical debts -- most of the cc debt was from paying bills like car insurance and buying groceries anyway. I don't feel embarrassed about the bankruptcy at all because it's not due to being clueless about managing money, it's because of reasons out of our control. We did what we could to lower expenses during his health crisis, including getting rid of cable and not fixing or replacing my car when it died (which also saved on gas, insurance, oil changes, and the extra money we were paying in rent every month for having two parking spots). In the end, we felt that we had two options: drown in debt and stress, or go bankrupt. And then when I got pregnant in January, I insisted that we start bankruptcy ASAP so that everything would be settled before the baby comes.

He's now healthy, working part time, and should be working full-time by the end of this month. We have about $2k total debt on new cc's, which we will pay off once he starts the new job, plus my $55k student loan debt that's under 5% interest rate - Bachelor's and Master's degrees. And then under $500 in medical debt from the pregnancy so far, like the diabetic counselor my insurance wouldn't cover for my GD, but that will be paid once he starts his new job too.