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Ok. I just finished my federal Stafford Loan Exit Interview. They estimate my annual discretionary income will be $-14,000.
I'll be paying either $178/mo for 30 years or $308/mo for 10 years. For a job that pays $30,000.
So, all that whining about feeing bad about not getting make music. Forget that happened.
You can put off your loans for quite some time, just look into your deferment and forbearance options. My sister's friend has been putting them off for more than 5 years! So can you! ;-)