a couple of random thoughts after actually reading all 4 pages because this thread is actually interesting for a change:
1) damn, i feel really lucky now after seeing how some people got it. i felt ty having 20k in debt (only like half of that 7 months into working tho) but i see now that i'm pretty lucky, being able to land a job at a fortune 1000 company with room for future growth and having no kids/marriage
2) "college is a scam" is a blanket statement, and totally depends on the situation. some degrees like liberal arts are a scam, others like science/math/technology/medicine are always a winner, and others fall into a grey area of case by case basis. for example, finance and accounting are good degrees but only if you make good grades and are driven. finance requires a lot of networking due to the nature of the business which i didnt do and sort of screwed me, luckily i had my grades to sort of save me. although with my grades/talent i should be ahead of where i'm at. also degrees like psychology are a winner only if you get a masters, my cousin is a neuropsychologist for a major hospital and makes a lot of money. but she only succeeded in that field because she was very driven and into it, your average person ends up working at target like jacob
3) spurstalk isn't the best place to go for advice bro, too many trolls and assholes and just people who downright think theyr'e a lot smarter than they are and that their opinions have any sort of value, careful with some of the advice you get here
4) my advice: you got a good job at a good company, the obvious and really only solution is to explore options to lower your payments until you move up in the company in the next couple of years.