[jogjayr]

For someone making median wage after graduating (>= $55k) that $30k student debt should take no more than 5 years to kill - $10k taxes, $30k living expenses (and I'm being very generous with this), $5k savings, $10k loan payment (numbers are approximate). Someone who graduates college in their early 20s and has income comparable to their loan amount should not be entering their 30s with any student debt.

Auto loans - never buy a depreciating asset with debt. When starting out, save up for a few months and get a cheap used car for cash, then level up every few years as your circumstances improve, until you're satisfied with your car. Always pay cash - if you can't pay cash for a car, you can't afford it.

Credit card debt should not exist, period (one exception: life-threatening medical emergency for oneself or a loved one, and no savings). Credit cards are not meant for borrowing money; they are for getting rewards points and building a good credit score.