in response to A citizen... that statement is over simplified. I got married at 22 yrs old and was finishing my last yr of college and because my husband didnt have a job to speak of - I took as much loan as I could - so it would pay our rent,etc. and I have worked almost constantly since 1992 (with periods of unemployment due to either giving birth, not able to find a job after giving birth our moving states & in with my family because my husband and I could not pay rent let alone pay the payments for my loan. I got divorced in 2002 and my ex was a dead beat and never made enough or had a job for over 7 yrs to pay child support. I recently had a job for 5 yrs and due to the way I was treated I sought a new job and got one but unfortunately it wasnt a good fit and I wasnt fast enough for it so in dec 2010 I lost it and in 2011 Feb 18 I was diagnosed with stage 4 colon cancer . so now I cant get a job and my ex is unumployed so he only pays $200 per month. So you tell me how I can pay back a Student loan when the deferment is larger than what I origanally borrowed and I cant work and disability takes care of only the bare necessities and not the large debt my ex and I accululated. So give othe people the benefit of the doubt that they have tried as much as they could to pay the loans.