[sidewinder]

Seems like you are hurting yourself by not getting a job. Yeah working for "the man" isn't as fun as running your own business. However, there is a lot to be said for getting experience in the real world and taking responsibility for your loans. You should be able to find a job easily with web dev and graphics.

[rglover]

I don't look at it as working for the man. Nor would I call running a business fun, necessarily. I'm doing this now because I'm genuinely interested in building up a business. The reality is that even if I went and got a job and started making payments, I'd have to remain employed for decades to even make a dent.

For me, I'd rather struggle a bit knowing that at the very least I'm doing something worth doing and not just working to work. It seems like a huge waste of life (especially when there's little value in what I'm paying off – if it were the other way around, my attitude would be completely different).

[doctorwho]

"The reality is that even if I went and got a job and started making payments, I'd have to remain employed for decades to even make a dent."

Uhhhh, yeah... that's how loans work. Borrow a lot, pay for a looong time.

Compound interest is usually covered in grade 10 (or earlier) and is about as complicated as walking. Did you fail basic math or just fail to figure out how to apply math to real life?

Of course you're interested in building up a business instead of working to pay off the 4 year "vacation" you took after high school.

Your school isn't to blame. The government isn't to blame. Your parents might be partially to blame, but mostly I'm guessing you just followed the herd right into post-secondary financial hell without engaging your brain and wouldn't have listened to anyone who tried to tell you any different.