[anonymouskimmer]

> if you have large student loans the pay is to low to make any headway in paying them down

The Public-service loan forgiveness program has been revamped to make it possible to get loan forgiveness now. Most people whose sole income is adjuncting at a CC aren't going to be making any payments. Of course the side effect of going the forgiveness route is that it can lock you into a low-paying public job for years.