<p>Mmmgirl, you want to hear what you want to do instead of the reality. You think owing $60K at age 22 is ok, when you have little or no financial support from home, and are looking for your first real job, needing to get a phone, car, wardrobe, apartment, etc? That’s a house in some parts of the country, but you still need to find a place to live since yours is not a house. How do you think you are going to get reliable transportation , a deposit for an apartment and all that stuff when you leave school? School is a subsidized amusement park. When you get out into the real world, it’s a whole other story. FInding a job for $10/hr is not easy, and you can be fighting and scrambling for hours at a minimum wage jobs. it’s really terrible the way it works. I see kids with jobs that are min wage and the employers mix up the hours so that having two jobs is nigh impossible since a lot of employers do this, and they refuse to give more than 24-30 hours a week and won’t commit to regular schedules. The hours vary each week. It’s positively insane. And half the workers at those jobs are young college grads, a lot of them with degrees from selective schools., ironicallly livign back home after borrowing to go to sleep away college. Very discouraging and scary.</p>