Like many of the people who have already commented, when I went to college, I paid for it. Not my parents. While I did work, to pay for rent and my horses, I took our loans to pay for books, tuition, ect. I made it all the way to my BS in animal science and then decided to do a complete 180 and go into law enforcment. Yes I will qualify for the public service forgivness after ten years. But I sure as heck don't have a $10 a month payment! lol. I overpay my loan every month. Its the responsible thing to do.