Did you go to a private school? Federal loans (~90% of all student loans are Federal) have income based repayment plans. Under the income based repayment plan,

Did you go to a private school? Federal loans (~90% of all student loans are Federal) have income based repayment plans. Under the income based repayment plan, a single person making $15/hour 40 hours/week would only need to pay about $100 per month.