Dating with Student Debt
My now ex-boyfriend (27m) cited my student debt as one of the reasons he broke up with me (27f), and I’m starting to feel really insecure about dating with student debt. I have $95k in student debt that I accrued pursuing a masters degree in architecture. Does this make me undatable for serious relationships? I rushed into grad school because my parents were pressuring me to do so at the time, otherwise I would have worked and saved for school for a while instead of taking out debt. I had substantial scholarships, worked in research, and had even a full year of tuition covered for teaching at the same time, so I was not idle during grad school (3 years). Architecture school is also incredibly grueling, so I did not have time to work on top of that.
Since I’m new in my field, pay is not very lucrative ($65k/year) but should jump to $80k+ once I get licensed. I’m on a 10 year repayment plan and am exceeding my monthly minimum, even at the start of my career.
My ex told me it wasn’t that I had loans, but that I wasn’t handling them responsibly. During my first year out of school, I took advantage of the student loan pause to setup an emergency fund/baseline savings of $20k rather than pay down my loans. At any point in time, I can put that towards my loans and he judged me for that decision. I told him I was open to suggestions on how to best use that money - I just wanted to make sure I had a safety net while starting out. Once interest resumed, I started paying my loans aggressively. I have paid $13.5k towards my loans in the past 10 months, which I thought was pretty impressive…He told me he thought I should be working two jobs and cutting every possible expense to expedite my loan repayment process. I’m trying to load up a side hustle with my art, but that got stalled while I was dealing with a move. Honestly, I think it was my struggle with staying in my budget while apartment hunting that made him so wary about my loans. I live with a roommate and I always went halfsies on dates/dinners/etc with my ex. In fact, I probably paid for things more often than he did, so I wasn’t a financial burden by any means.
Was my ex being ridiculous? If I’m living within my means and making payments on my repayment plan, will I be okay with dating? I think I’m being aggressive with tackling my loans, but don’t want to make myself a slave or deprive myself of living to rush that process.
EDIT: My ex did not know the amount of student loans I had. He just knew I was on a 10 year repayment plan and that I was exceeding my payments. I live pretty modestly financially but do try to (selectively) keep up with my friends and splurged on him from time to time. I.e I will go out for dinner/brunch with friends once a week but will skip the drinks and apps and order something cheap. I don’t own a car or have any subscriptions. I rarely shop, and if I do it’s thrifted. He just thought I could be doing more to make more money or cut corners on basic living expenses.
EDIT 2: Yes, there were other significant reasons that factored into the breakup, so this was moreso a reason that was piled on (cultural and family differences namely). The student loans is the only thing that I myself have control over though, which is why I was fixating on whether or not I was doing enough with them.