Are you planning on working during law school? Are you going to a prestigious law school? If so, you can make some pretty good money as a summer associate at a big firm.

People have different opinions on whether you should work at all during the semesters because law school can be very demanding, but if you can get a job that’s just 10 hours per week at a firm, you may be able to save some money to throw at your loans and make a big dent in them before repayment even starts, or to straight up pay for the bar study courses and bar exams you plan to take (which can easily be $5k or more, plus necessary living expenses) so you don’t have to take out a private loan for that.

Pay off the small undergrad loan as soon as you can. don’t defer it just because you can because you’ll still be in school. You can and probably should put the loan in deferment, just so you’re not stuck making payments even if things are tight, but throw money at it when you can.

What’s your bf studying? Is his debt just going to be from undergrad?

Do you two live together?