Right, most student loans and parent loans are set at 10 year payback terms. And this $500 payment likely doesn’t include the credit card debt, correct?
What is the total monthly payment for all the loans and credit card debt (both in your name and your parents)? You don’t have to tell us, but figure things out using these calculators…
Here is a loan calculator so you could model what a monthly payment might look like if you added the MPH debt to you/your parents current educational debt level:
And a calculator you can model the salary you would need to make those payments:
100% agree