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I'm about to finish paying off about $65,000 dollars that I took out for my CS degree. I graduated 4 years ago and have a good paying job. So, I'm lucky to have to be paying it off early. However, even with my 6 figure income, paying off this large sum off money has been a huge burden and has majorly affected other choices in my life like investments, career (I.e. I had to take the high paying jobs), buying a house, etc etc. If I could go back and do it again I would avoid any student loans like the plague they are.

Edit: just saw your edit reply to above edit :) that is much more reasonable than the situation that I put myself into. Still, I would recommend doing everything you can to avoid the debt. Paying back 1000's of dollars is a large burden.

[learc83]

The $40k I had to pay back wasn't a burden to me at all because I went to a state school and took public loans.

I had the option of an income based repayment plan too, so if I wanted to take a low paying jobs my monthly payment would have just dropped.

The only reason it would have been a burden was if I felt like I had to pay it off in 4 years.