Advice for starting my life, despite school loans?

After 6 years of college, I am in my mid-20s now and all my money is going toward rent and school loans. My boyfriend is in the same boat. We've already decided on a really cheap wedding someday in the next year or two, but my fear is that we'll never be able to start a family because we'll both need to be working for 10+ years to get just our school debt paid off. Has anyone else been in this situation? If so, can I please get some some advice. More than anything, I need to be cheered up and I need to know if there's still hope. Everyone else I know had their parents pay for college or their family gave them money. We are unfortunate in that we both have to survive completely on our own. I just want to know that there's still hope for starting a life. I suppose I could go off and marry someone with money instead, but this guy is the love of my life and I wouldn't have it any other way. I just want advice on how to start my life with so much school loan debt coming at me. I already work so hard working over full-time, I wonder if I will ever be able to enjoy anything in life at this rate. I guess it's the price you pay for wanting to be with somebody because they're a good person, not for their money.Advice for starting my life, despite school loans?
I decided that getting a better degree would put me higher up the pay scale, so now I am a professional student with a IR MA and a soon post MA teaching degree.


My yearly income has tripled and now its not so hard to pay off my loans.


Just a thought.Advice for starting my life, despite school loans?
Contact the agency that lent you the school moneys and negotiate a longer payoff time, a lower interest rate, or a grace period, so that you can catch your breath and lower your payments to something more manageable. Another alternative, although I do not recommend it because it can really mess up your credit for 10 years, is bankruptcy. It will eliminate your debt but you won't be able to buy anything large, like a house or even a car without paying huge interest rates. If you think you can live on ';cash'; expenditures for at least 7 years, in other words, paying in full for everything you want to purchase, it is an option. I would suggest you speak to a credit councilor if you can find one, or a bankruptcy attorney. They will usually meet with you for free and will evaluate your situation and give you advice once.
Bankruptcy DOES NOT get rid of student loans! It IS part of the terms you signed when you agreed to the loan .


Sorry. It will never go away. You must deal with this.