conversation: User (aBoglehead): "Since Monday is well underway in most parts of the world... Anybody can post a question in a Moronic Monday thread, any PF-related thread, and not get made fun of or downvoted for it.  It allows a safe spot for asking questions you fear may come off as "moronic."  make a top-level comment if you want to ask a question in a safe space!  Don't downvote "moronic" questions!"
  Self: "I was talking with my girlfriend last night and we were trying to figure out what we are worth together. She thought my student loans don't go into that calculation while I thought it did. Which is true? "
  sarlok (sarlok): "Net worth should include student loans.  However, if you want to calculate the value of your estate should you die, consider that federal student loans are forgiven on death and would not decrease the value of your estate passed to your heirs.  Chances are you were doing the former and not the latter, so include the student loans."
  Artificial_Squab (Artificial_Squab): "Excellent. I just realized our net worth is -$198,000 thanks to my wife's medical school loans.\n\n:("
  loverbaby (loverbaby): "Have her come be an MD in South Dakota!  They'll pay her a little over $138,000 if she's here at least three years!  [No Joke!](http://doh.sd.gov/providers/ruralhealth/recruitment-assistance-healthcare-professionals/rap.aspx) "
  doktaj (doktaj): "Is that 138k in addition to your salary or is that your salary? 138k for a residency trained physician is barely anything.\n\nAlso, most states and the federal government also have student loan forgiveness programs for working in under-served communities."
  loverbaby (loverbaby): "I'm pretty sure it's in addition to your salary.  Or at least it is for nurses.  I work with a couple nurses who are taking advantage of this and they are going to receive 10,000 plus their wages.  \n\nThat's essentially what this is..work in a area with less than 10,000 people for at least three years, and they'll give you money (which is to help pay off your loans)."
  