<<I have about $150K total debt (not counting my car loan, which is still around $8K): $25,500 is credit cards, the rest (!) is student loans. My loans were not originally that large, but I've never been able to afford to start payments (I graduated 4 years ago with my PhD), so even though I get forebearances, the interest capitalizes and the principal continues to grow (I should mention they're already consolidated with a 30 year payment).>>I hate to have to tell you this, but you have blighted some significant part of your life with your debt. As you are beginning to notice, it may well prevent you from doing a variety of things that you would like to do. Lightning may strike and solve your problems --- you might get a big time promotion with income to match, your stock options may explode in value, or you might search for a rich boyfriend who doesn't mind marrying into a lot of debt. Or you can get serious about cutting expenses to the bone for years to pay down this debt load.I haven't seen any bright ideas posted on how to deal with debt of this scale on a limited income, particularly when buying books is still regarded as a necessity and a second and third job are also ruled out.I will be looking with interest for someone to improve upon my gloomy evaluation of this poster child for how not to do student loans. Seattle Pioneer
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