Exactly. Besides, mostly paid off != paid off. I went to a UC so by the time you graduated loans were about $20k-$50k depending on how much you take out. Live a

Exactly. Besides, mostly paid off != paid off. I went to a UC so by the time you graduated loans were about $20k-$50k depending on how much you take out. Live at home, work hard, chip away at your loans, they'll be mostly gone after 5 years.