Rph just called Dave Ramsey

[Mr DebtAnatomy]

While I disagree with Dave Ramsey on certain points (paying off small debt first vs high interest debt), I wholeheartedly embrace his view that being hundreds of thousands of dollars in debt is an emergency! Being in a financial emergency means you need to avoid growing into your newly inflated income. It means you keep living on the same budget you used as a student until you are free from the shackles of debt. When you finally graduate school you are used to living on a small amount of money. Take advantage of that by living poor for just a few more years! Whether this means you use all your extra money to pay off the loans, or you invest part and use the rest the pay off loans is up to you. But the fact of the matter is that you need to start playing financial catch up, and the only way to do that is to maximize your disposable income by keeping your costs low.

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