Chances are, when you were first applying for student loans and receiving them, you were just so happy to get the money to continue your education; you didn't really grasp the long term ramifications of having to pay them back.
Oh, you knew that someday you would have to, but knowing that you'd have to deal with something sometime in the future, and having to deal with it now are two very different animals.
If you are now at the point where you need to start relieving yourself of the burden of your debt, it's like a black cloud of uncertainty hanging over your head. Will you be able to pay it back? Are you making enough of an income to cover your monthly repayments?
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