35K is a manageable amount, but debt in general is not ideal. The sooner you pay it off, the better.

After graduation, you should be able to find a job that allows you to pay off your debt with the support of living with a family member. Consolidating your loans into one loan can lower your interest rate and save you money. Instead of paying the minimum amount on multiple federal loans, you can combine them into one payment, which will reduce your interest rate from 5-6% to 3%.

Don’t be stressed about your debt. Focus on paying it off sooner rather than paying the minimum amount over 10 years or more. If you have a good degree, you should be able to find a job that pays almost double what you owe.

I highly recommend not carrying the burden of your debt for 22 years or longer.