how to stay positive when paying back student loans? i need a reality check. the idea of being married to this debt for many years is terrifying, especially when i'm still not 100% sure what i want to do with my life (i got some ideas, but nothing concrete). i accept that it's my responsibility, and i do want to get rid of this debt ASAP, but at this point i can barely even think about mine without having a panic attack, and i'm still in my grace period. i can't imagine how i will feel when i finally have to start paying. how can i make peace with this situation?