How much student loan debt did you/will you have left when you TTC???

posted 3 years ago in TTC
  • poll: How much did you/ will you have left?
    0-10k : (73 votes)
    51 %
    10-20k : (13 votes)
    9 %
    20k-30k : (10 votes)
    7 %
    30k-40k : (8 votes)
    6 %
    40-50k : (5 votes)
    3 %
    50-60k : (2 votes)
    1 %
    60-70k : (5 votes)
    3 %
    70-80k : (1 votes)
    1 %
    80k+ : (26 votes)
    18 %
  • Post # 3
    1256 posts
    Bumble bee
    • Wedding: October 2014


    Post # 4
    1421 posts
    Bumble bee
    • Wedding: May 2009

    None.  But I don’t think having any would stop me if I wanted a baby.  Many people won’t have student loans paid off until their 40s or so. 

    Post # 5
    1676 posts
    Bumble bee
    • Wedding: July 2012

    Nada. I personally wouldn’t feel comfortable TTC until after my student loans are paid off. (And actually until we have as little debt as possible- probably just the mortgage.)

    ETA: I had under $20,000 debt and it will be fully paid off in just 2 more months. We paid it down in about 2 years.)

    Post # 6
    7929 posts
    Bumble Beekeeper
    • Wedding: March 2012 - Pelican Grand Beach Resort

    My student loans (for undergrad, an MA, and a PhD) will not be paid off until I am 54. I had a mortgage-sized amount of student loan debt when I got pregnant. My payments are manageable because they are scaled to my income. I’m not putting my life on hold because of debt that I took on to pursue a dream and a career and give my life meaning.

    Post # 7
    2051 posts
    Buzzing bee
    • Wedding: June 2012 - Franklin Plaza

    A lot. But who cares? DH and I view my student loan debt as any other debt. Car, house, etc. We are on a payment plan, we have ample savings that we contribute to each month and the student loan will eventually get paid off just like all of our other expenses. Having a kid doesn’t change that.

    Post # 8
    375 posts
    Helper bee
    • Wedding: July 2013

    I have zero, but my husband has like .. $27K. But.. He makes okay money now!

    Post # 9
    3280 posts
    Sugar bee
    • Wedding: June 2014

    We may take out a tiny bit during grad school (like 3-5K if needed?) but most likely we will have 0 student loan debt when we TTC and we wouldn’t TTC if we had a large amount.

    Post # 10
    1327 posts
    Bumble bee

    None, unless I get the MBA I really want…but I’m hoping to pay off my (current) student loans this year and we’re a few years away from having kids!

    Post # 11
    4043 posts
    Honey bee

    @MissGeeBee:  Well, we do not plan on TTC for another 5-7 years. At our current rate, we should have our loans paid off in the next 3-4 years.

    ETA: We currently owe about $27k in total debt combined.

    Post # 12
    145 posts
    Blushing bee
    • Wedding: January 2015

    I’m in a 4 year medical program so I will graduate with over $100,000 in debt when I graduate. FI and I will probably start TTC soon after. Trying to remain optimistic! 

    Post # 13
    3623 posts
    Sugar bee
    • Wedding: July 2013

    @MissGeeBee:  Over $100k… but, I don’t view it as loans, but indentured servitude (my boss doesn’t find that term as endearing). My loans will be forgiven by the time my kids are in pre-school.


    ETA: We also have no other debt and will have 15 or so years left on our mortgage (we are agressively paying it down). It makes absolutely no financial sense to pay my loans down.


    Post # 14
    629 posts
    Busy bee
    • Wedding: July 2013

    H and I are several years away from TTC. At this point, I’m making it through dental school with no debt, but H has ~30k of student loan debt. We are planning to have that paid off befote I graduate and before we TTC




    However, many of my classmates aren’t so lucky – having upwards of 200K worth of debt. If they wanted to have a baby I would absolutely not judge them. I mean sure, in a perfect world being debt free is ideal, but it’s not always realistic. If you are making enough money to pay your bills, support a baby, and put some in retirement – I don’t see why you can’t have a baby.


    Post # 15
    1446 posts
    Bumble bee
    • Wedding: September 2013

    Well past the max of $80k in your poll.  As a PP mentioned, my payments are based on my income and I’m in a program that will forgive them eventually… it’s 10 years long, 8 years to go.  Grad school was crazy financially, but inevitable in my field.

    I am not putting off TTC due to student loans.

    Post # 16
    2473 posts
    Buzzing bee
    • Wedding: April 2014 - Italian Villa

    @MissGeeBee:  I still owe about $13k right now, so we should have it well under $10k byt he time we TTC. Hopefully gone, but I’ll be happy with under $10k

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