I can so relate on the student loan worry. My student loan debt is crushing me and I stay in school to keep my loans deferred which is a vicious cycle to be in. I honestly owe more than I do for my house, which is a debilitating thought. I hate doctoral school and want to quit but I don't have any means to make the loan payments. There really should be better options out there for people like us who honestly can't afford to make the payments.