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All I can say is, I have the most student loans of anyone that I know, and I am making it work. I took out loans for all of undergraduate and graduate school. I knew what I wanted to do with my life, and I knew that I was going to find a way to do it even if I had to borrow money to do so. I actively chose programs that I knew had street cred, so that my prospects of finding a job would be supported by the program culture itself. Looking back I would likely borrow differently: more federal and less private, ask more questions and be more persistent about scholarships and school opportunities, and would have waited to consolidate until I had more knowledge about private consolidation processes. But I would still borrow. I continued to ignore that gut feeling, and just focused on that loving feeling. And now I am loving it every day.