It is consuming for me too. All student loan debt, but since optimizing the interest rates and so forth I am less depressed and more obsessed. I look forward to the bills coming due each month and pay immediately so I feel "safe" for a month and change. I used to drop a couple grand every month to the highest interest but lately I've been making several additional smaller payments throughout the month to get every last penny I can reasonably afford paid off. Probably not prudent as my EF has shrunk but I just want to be done with the debt so I can be free. Not free to retire as that's a long way off, but free to live my life as I see fit, take a risk on a new job, move across the country, or even free to do nothing different at all but just not feel stuck. But I check mint several times a day, check/update spreadsheets, crunch numbers in my head, consider various options to optimize debt, reduce spending, generate additional income, etc... All day, every day. It is consuming, but it should be considering the amount of money I don't have that I wasted on school.