How much are your student loans? That is a debit you owe for your education. If that is the reason you are unable to do the things in life you wish maybe it may have been a better idea to take longer to go to collage and extend it out for several years so you could pay for your educational expense as you could reasonably afford instead of going into a heavy debit. My son is in collage now for his engineering degree but before he went to collage he became a journeyman tradesman. Now with what he has saved and what he earns from working he has no student loans.