I have to agree with Ellen on this one. My SO has (and therefore, we have) student loans in excess of $140,000, and it is truly a near-crippling burden. While as a couple, we make relatively good money, the loan repayments amount to a second mortgage and effectively sucks up a huge chunk our savings. Our repayment plan is set up to make payments of $1100 per month for 30 years. In order to reduce the repayment period, we're trying to get our payment amount up to $1500 per month through LBOM, and are getting close to doing so. Even so, I would be lying if I said that the student loan did not cause a strain on our marriage and severely reduce our quality of life. Unfairly on my part, many a long night has been spent arguing the value of my SO's decision to take out the loan - a decision that she made over 10 years ago. Her profession requires a great amount of schooling but does not pay as well as one would expect. This forces me to work my tail off and prevents me from returning to school myself. Not surprisingly, a number of my SO's college friends are in the same situation. They all regret their decision to take student loans of this magnitude and realize that it is simply not worth it. We'll continue to work at paying the loan down as fast as we can, but there is no doubt that our lives are the worse off for it.