People paying for college with Student Loans are fools.  I had no choice but to use them and was 100% lied to by the University I attended.  I was told I would have the option of various payment plans, but truth be told, you do not.  There are a couple options, but if they do not fit into your budget, you are simply out of luck.  After Sallie Mae stuck me in 'default', I had to fight this in court.  Guess what?  You lose.  You cannot argue student loans in court, regardless of what you think or have been told.  The court will not necessarily agree with you taking a 25 year repayment plan either.  In my case, the court set it up on an 8 year repayment plan, even though my income is not able to handle that.  My fight was with the money I had not accepted my Senior year.  Sallie Mae had sent my school approximately $12,000, of which I declined as I was working and able to pay myself.  That money mysteriously turned up in my loan repayment paperwork and simply because the loan company says they have no record of the money being returned (even though they have no record the check was ever cashed by myself or the university I attended), I am legally obligated to repay the debt.  How would you like to have a court side against you when the loan company can verify a check was not cashed?  Don't be a fool.  Any loan they "claim" you took will have to be repaid, even if you didn't accept it.  This is a mafia type service run by crooks and thieves.