I disagree. $20k is 2/3 of my entire checking and savings account combined, 7 years out of college. It is quite a lot of money to have. I do agree that it's als

I disagree. $20k is 2/3 of my entire checking and savings account combined, 7 years out of college. It is quite a lot of money to have. I do agree that it's also a lot to owe, prohibitively so.