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- Whether $100,000 in debt is bad depends on the expected starting salary. A good rule of thumb is that total borrowing should not exceed the expected starting salary. If the average graduate finds a six-figure job, $100,000 in student debt might be a good idea. If the starting salary at graduation looks more like $50k, then students should avoid massive debt1. If you don't pay off the debt, it will affect your credit score2. A new survey shows that almost three-quarters of millennials have more than $100,000 in debt, but many are optimistic that they can pay it off over the next five years3.Learn more:✕This summary was generated using AI based on multiple online sources. To view the original source information, use the "Learn more" links.A good rule of thumb is that total borrowing should not exceed the expected starting salary. If the average graduate finds a six-figure job, $100,000 in student debt might be a good idea. If the starting salary at graduation looks more like $50k, then students should avoid massive debt.studentloansherpa.com/100000-student-debt-good …If you don't pay off the debt, it will affect your credit score. You should pay it off immediately, considering the dreadful APRs lender gave out.ficoforums.myfico.com/t5/Credit-Cards/100K-in-Cre…The findings of a new survey from the site Real Estate Witch shows that almost three-quarters of millennials have more than $100,000 in debt. Most of that debt is non-mortgage debt. But while millennials have a large amount of debt, many are optimistic that they can pay it off over the next five years.thehill.com/changing-america/enrichment/arts-cultu…
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