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You made every single one of these choices. Sure, it is frustrationg to not have a lot of money. See Credit Card/Consumer debt board for more info on repaying debts too. Remember, it will take at least as long for you to get out of debt as it took to get into it.

Get out of your field for the summer. Work at a summer camp (check at a local university), temp agency, day care centers if you like kids, city govt is always looking for summer positions to be filled, parks and recreations depts, etc... You have a lot of potential, yes debt, but all us post-graduates are in a similar boat. You are not alone. Be inventive,creative, car pool, bike to work, take the bus, cut the car out of your life. If you live in an area too rural for these services think about moving. Esp to a place with more summer job opportunities too.

Besides, you make your career choices. Teachers are not rich people (on paper). That was your decision. Think about another career, you are young enough to change if you can't meet the minimum payments on your debts. And as a teacher you all should be ready to get educated on your debts. Research them, look into consolidation, etc... on the web etc...

Good Luck.
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