~12,000 isn't too bad. You also did the smart thing by going to community college first. So it's sounds like you're OK, or at least not financially ruined. Pay

~12,000 isn't too bad. You also did the smart thing by going to community college first. So it's sounds like you're OK, or at least not financially ruined. Payments on $12,000 will be manageable. I'm mostly talking about the folks taking out $50-200,000 in loans for an undergrad degree with some random major (with the upper end of that scale obviously being much worse than the lower end).