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Well yes you have to pay it back before the end of your lifetime.

WSJ had article on student debt recently, with lots of data. Median debt load was 18-19k USD [1]

If it were all via Federal Stafford loan, the interest rate would be 3.9%. If the payback period was 10 years, the monthly payment would be a whopping $191 per month.

[1] http://online.wsj.com/article/SB1000142412788732443200457830...



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