I keep hearing people talking about paying their loans back for the next 20 years, but doesn't this seem unreasonable. I expect to rack up a debt of 80K-100K, but I figure this can be paid off in only a few years. The way I see it is I survive off 25K/yr now, so a job of 75K+ will allow me to cut into my debt significantly. Of course I would say I would spent 10K-15K per year more just because it is there to spent, that leaves 30K per year to cut into the debt. I know everybody's situation is different, but for a single person living like a pauper for a few years seems well worth it to clear debt. Is my reasoning skewed?