> I had already taken out eight substantial loans totaling over $67,000, whose repayment I hadn't even begun to contemplate. That's exactly the problem, not co

> I had already taken out eight substantial loans totaling over $67,000, whose repayment I hadn't even begun to contemplate. That's exactly the problem, not contemplating the consequences of our actions. I do believe in second chances and forgiveness, but also in thinking ahead and realizing that actions are not just for the moment but a permanent part of a life-long story. I've seen so many people in low/middle income brackets with upper class cars/houses/spending habits. It's not because they earned these things but because they got a loan and want the reward before they've earned it. It's hard to do when many people around you are getting these same things, but I do take solace in having little debt versus going to the best college or owning the newest car.