### Comment:
They aren't real loans. Many of the people who take the student 'loans' have little chance of paying them back

### REPLY:
I am coming to term with that reality. If they would let students refinance the loans to the current interest rate that would be awesome. Save me $16k per year for the next 22years.  
  
 Hell might even pay on something called principal. That only goes up by like $1-2k per year so I am not as concerned with it.

### END.