Twenty-somethings Tara and Jeff, who have been together for two years and who want to get married but won't until they are close to being debt-free, live in unique circumstances. Ninety-eight percent of their $89,000 debt is carried by Tara, $70,000 of which is her student loans, which she did not even really consider how she would pay off once she got into the working world, which she is in now as a youth program manager. Her current $39,000 annual income alone would be insufficient to pay off that debt in a timely manner and still live a regular life.