Sorry, can't give advice that would help on any level - I can only offer my sympathy. When I was in university, I maxed out my student-loan (though granted, it

Sorry, can't give advice that would help on any level - I can only offer my sympathy. When I was in university, I maxed out my student-loan (though granted, it wasn't as high as student loans in the US, but still a relatively hefty sum). It felt forever to pay it back (though actually it took maybe 6 or 7 years?), and felt like I was shackled and couldn't move. Anyway, that was the first and last time I got myself a loan. Ever since I haven't bought anything that I couldn't pay in cash from my pocket, and even if I have to live under the bridge, I won't make the same mistake of getting a loan again.