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I am a student who studied a lot in university. I have managed to compile $175k in student loans over the 4 years I went to school.

I can not find a job. I can not make the payments.

The only job I have right now is passing papers which makes about $50 a week which is enough for me to eat and pay rent. I'm currently sharing a room with 7 other students where we pay $50 a month each.

The collectors want a $1000 a month until I turn 65. I have on idea how I will make $1000 a month. That's impossible. I'm only making $200 a month right now!!! And all the jobs I see posted only pay like $1500-2000 a month (before tax).

Collectors threatened to take 100% of my wages.

What can I do? :S

I graduated with my BBA degree in January of 2010. Still working part time jobs. Soon my student loans will be ready to pay back. This is so scary, because I thought by now with my experience and education, I would have landed a decent job by now. Sometimes I wish I never went back to college, was it really worth it with the economy the way it is now!!

A problem is, these institutions are making a great deal of money, yet the amount they reinvest back into currently enrolled students is rather low. Tuition is often increased to "keep up with other institutions", but no new programs are added, no costs can been "seen" to increase, but profit margins do increase. There is a great deal of "creative marketing" to encourage students to enroll, but the true cost of attendance is not revealed, and often much higher.

Indentured Servitude.

I learned this term in high school, before I ever took out a single loan. I now pay $620 every month. My total current amount owed is 7 times my adjusted gross income from last year.

Student loans are a fuzzy moral area, but more and more we see ourselves moving into a world that has no value for college degrees, and where debt is seen as the primary reason for this Great Recession we've been in the last few years. Putting money and morality in the same conversation is like putting a snake in a terrarium with a mouse. The mouse could be huge, but even if the snake doesn't eat it, it will kill it. It does seem to be a tendency -- even with not-for-profit schools and not-for-profit loan companies, which are both the case for me -- that the concern for the well-being of the student in their next 30 years is minimal.

Then again, if you've ever had collections people breathing down your throat, calling you every night, threatening to serve you a court order of repayment (which they tried to do), you understand that when it comes to money, anyone who can't pay is as good as a criminal to them. I was probably weeks away from being hauled off to jail because of my debt. Which brings us to another early 19th century word I learned without the aid of a college education:

Debtors' prisons.

I don't care, as long as there's a piano there where I can make use of this music degree that everyone seems to think is worthless. If music has taught me one thing, it's that there are more important things in life than money.

I had taken out $40k in graduate loans. The summer after getting my MA from from my father paid it off in one check. He made me get the returned check framed. Like monthly payment stubs, my father wants frequent accolades and thanks yous. So if you are a person with huge loan debt, just think about that burden.

I'm 40 and still paying student loans from my early twenties. And according to Sallie Mae I will be paying my loans until I'm 65. I owe about $65K and I borrowed about $45K the rest is capitalized interest. My student loan payment is $560 a month. Now, I'm working as a temp making $20/hr. Gratefully, I'm happily married and my husband has a good job so we're getting by. Unfortunately, we haven't been able to have a baby. Our health insurance company doesn't cover IVF so I keep thinking, if I didn't have that student loan I could save the money and try IVF.

I skipped the ivy league and other tops schools and instead took scholarships from some OK schools for my BA and JD. I have no education debt, but I wonder if I'd be earning more now had I invested in the best then....

Please don't mention my name or provenance, I wish to remain anonymous.
I went for my MFA at age 56 thrilled to be accepted at NYU/TSOA as a composer. After having raised 4 amazing children, 3 husbands and caring for my aging parents I decided to go for it - it was my turn! I received scholarship money but had to take a loan for the balance. I absolutely loved graduate school and was in heaven composing uninterruptedly but just prior to receiving my Masters in 93 my husband pg 22 years announced he wanted a divorce. I later discovered it was for a younger woman who worked for a friend. He walked out on our marriage, our mortgage and our home in Mass. which was sold at a huge loss barely covering legal fees, taxes and mortgage. I'll spare you the painful convoluted details. The bottom line was my need and determination to survive.
My children, by then grown, supported my decision to move permanently to NY where I managed with freelance and pt jobs while I pursued a performing career. The two small loans became a noose around my neck and my various pt jobs barely kept me going...my focus on that long awaited composing career became something I worked on with my collaborator when we could find the time until his devastatingly sudden death - another major loss and turning point. Meantime the loans got deferred and as the story nears the end I still owe on both - $8k on one (so far making payments now) and the other is over $34K - the exact amount evades me since I can't pay it anyway. I got a deferment for this ending in 5 months.
The coup de grace came when I lost my only remaining pt job a year ago and there's no work to be found. To add insult to injury and in spite of amazing reviews from major national publications plus nationwide airplay, there are no club dates and record sales are nearly non-existent .... so are straight jobs though my work experience is vast and I speak several languages. But it seems being prepubescent is a big help when it comes to getting gigs. I can't imagine anything short of a miracle coming to my assistance and yet I still cling to my dream - giving up has never been an option for me. Out of all this one ray of sunlight ...I've begun to write again.
Any suggestions on what to do about the school loans? Sallie Mae and Direct Loan seem to be intransigent.

I am in my late thirties and I still owe on my student loans from my early twenties. I have paid on them on and off over the years, as jobs have allowed. Generally speaking, it's good to take out a loan in order to get an education, since education generally increases your earning potential, and an education cannot be repossessed. On the other hand, it is very difficult to have student loans excused through bankruptcy. I was part of the generation that was told that a college degree was a guarantee of a good job throughout adulthood. This was unfortunately a myth, and I continue to pay the price with a terrible credit rating.

I heared on All Things Considered today that only one third of student loans are being paid back. What happens to those of us if we can't and therefore do not pay back the loans?

I’ve been in the Information Technology field for the past 12 years (Server Admin) and was told thought I should go back to school and get my associates degree in computer networking (shouldn’t hurt right?). After one year into the course I pulled the plug and didn’t sign up for the second year of financing. I realized that what they were teaching me I had already learned on my own and have been doing hands on with the company’s I worked for. I really didn’t see the need to drop $40,000 on an education I had already been making great money at. Now I owe a little less than $16,000 on the first year – ouch! Being that I had no debt when I start school it now makes me want to vomit having a $16,000 debt hanging over my head.

It seems however companies put a great deal of pressure on folks to have an education in the field you want to work in. This may hold true in some fields, but if you can get in at the ground level and work your way up in a company you can save more money on the long run then having to fork out hundreds of thousands of dollars of schooling up front for the same job and pay scale.

Really depends on the situation and the person.

I totaled over $60,000 in student loans for a B.A. and M.A. in English. At age 37, I am now within a month of paying all of this off without any assistance from family, forgiveness programs, etc. What I have to say based on my experience with student loans is this: they are a damn racket.

Student loans are not only unbelievably easy to take out, they are also encouraged as THE way to pay for college. I was encouraged to continue on in graduate school without regard to the debt I was incurring. I worked various part-time and full-time jobs throughout, which kept the loans at a minimum. But then when I finally graduated, my only earning potential with my degree was extremely low.

My graduate program had no interest or incentive to place me in a professional job. Loan programs, statements, consolidation, re-consolidation, accruals, deferrals, subsidizements, unsubsidizements, and all else were all byzantine and difficult for even an English major to decipher, and the loan people were even worse on the phone. I also simultaneously ran up other debt to buy groceries, purchase a car after an old one broke down, etc. I had no schooling whatsoever in credit/debt management 101.

Before I even realized what had hit me, I was heavily in debt, and with very litle earning potential. I started missing payments and realized I had to do something. I ended up in an entirely different career field. Which has worked out well for me, but it is not what I went to school for.

I am thankful for a good education, but at the same time I feel like I was suckered into a no-win system of heavy debt while I was primarily serving as cheap labor (teaching freshman English classes) for a university that was less invested in my education or future than in this ponzi scheme of student-taught humanities classes, where no graduates would have much (if any) hope of a job offering a reasonable salary and benefits upon graduating.

I feel like I was caught in this trap, and that I am so very lucky to have found my way out of it. Because so many people do not. I cannot overstate how debt like this weighs down all aspects of a person's life. This is no way to start fresh out of college.

Kids at home: student debt is not "good" debt -- unless you are very, very well schooled on what debt is, how to manage it, and you have a plan for your estimated earnings for the next 10-20 years to be able to pay off every dime without it impacting your ability to live securely.

Those of you still caught in this trap: there is hope. But you have to find a job that pays, even if it's in a different career field. You CAN pay it off. You have to make it a life priority, though.

I have to tell you that my mother is prouder of me for paying off my student loans than she ever was when I completed either degree. I think I may be prouder of this, too.

I went to graduate school for international development with specific career goals in mind, fully aware that the path I'd chosen would not be a highly lucrative one (development professionals don't do it for the money). Unfortunately, despite grants, scholarships and a full-time job, I accumulated a mountain of student loan debt, otherwise sold as "good debt" in the education industry. I'm considered a "non-traditional" student since I began my education as an independent, and I therefore finished a bit later than most. Now, I feel a lot of pressure to put my career aspirations on hold- a dream that I've spent many years working toward- and instead take a high-paying job that will allow me to get rid of this debt as quickly as possible.
It's depressing- I try not to think about it. Going to graduate school is, in one sense, my biggest regret. It's frozen me- I have no idea where I'm going in my future now; I'm less brave than I used to be. As I'm no longer living in the US, some of my friends have suggested that I just don't send in payments, but that doesn't seem like the right thing- or the smart thing- to do. Anyway, thanks for bringing up this topic. My heart goes out to all of those who are in the same boat- I know there are many.

I am about $70,000 in education debt and still attending, going for masters as a BS degree just gets you paid approx $18.00 hr without benefits and on contract work, even with 16 years experience.
Once I get my masters, I will be going after my doctorate jut to keep the lending hounds at bay until someone either hires me or my small business takes hold... Either way, I am transferring my home ownership to my daughter so I do not lose my home if I default.

I didn't take student loans. I worked full-time, right out of high school and paid every dollar myself. I received a partial academic scholarship and the rest came out of my own pocket. I decided I was not going to be put in debt by my education, that is an oxymoron. Education should give you an advantage.