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How do I manage my huge student loan debt?

EndymionSpilos asked:


I am a graduate student now with over 120K in student loan debt. Including private and federal loans. I’m really concerned about how I am going to pay it all back. I justified it all by saying that I am in a graduate program (currently in my first year of a 5 year PhD program in industrial-organizational psychology at another very pricey school) that will yield a high paying job. Though now I hate my graduate program and what I am studying. How can I manage this massive student loan debt??

Suzanne