Yes you owed a lot of money but it seems to have been worthwhile as you must have a well-paid job: indeed, 194k over 6 years means that on average you paid back

Yes you owed a lot of money but it seems to have been worthwhile as you must have a well-paid job: indeed, 194k over 6 years means that on average you paid back about 32k every year, which happens to be the median income in the US.