Student loans are the vast majority of our debt. DH and I graduated with the maximum each in Stafford loans - $15k ($30k total). Even though in our first jobs we were making $15,500 and $19,000, we did pay them down to $12k over six years. Then DH lost his job and went back to school last year - so more student loans. We have gotten through 5 semesters with only taking two more loans ($9k total), so our total student loan debt is now $21k.
We can't even focus on this debt yet as DH is still student teaching and not getting paid. Hopefully he will get work in the spring and we can start a plan of attack. Until then, I am just keeping us afloat and making our minimum payments.
Luckily, my parents taught me a great deal about credit, so I never fell into the cc trap. Dh did briefly in college, amassing close to $1000 (which is really nothing now, but it seemed like a death sentence when we were in school). I helped him pay it off and now his credit score is about 770 -almost as good as mine
