<human>: Summarize the given text in a few sentences.

me: 25
her: 24

Been together 1 year
Just moved in together

Details: We get along great and love each other and want to start a family together, but I still worry about her lack of career ambitions.  Currently I am in graduate school for something that is very practical and will get me a high paying job and she is still in undergrad doing something arts related with very little career prospects.

She also has $40,000 in loans I have none.  The fact that she has so much debt and is dilly dallying with her school/career concerns me big time.  I have goals for the future like owning a home and living a good life with two good income streams.  

I don't want to come down on her hard because I don't want her to resent me for telling her what she should do and try to control her decisions.  Is there any way I can subtly convince her that she needs to get her act together?  In a way that makes her feel like she's taking control of her life so it's a positive and not just me telling her what to do?  

Also, I spend pretty freely on whatever since I have no debt and a good paying job.  Because of this, I feel like it would be hypocritical for me to tell her to stop spending so much money and pay off her debts while I satisfy just about any whim I please.  I could definitely see this as a reason for her to resent me in the future.
<bot>: I have no debt and career prospects, my SO has debt and no career prospects, I want to convince her to take control of her finances and career without being a jackass.