student loan repayment

[cookderosa]

Hi Guys,
Well here is my question. I have over 48k in loans now which is driving me nuts and holding up my sleep :ack:
I want to go to grad school but it is becoming a very distant dream at this point because I can not afford it even after I graduate at any grad degree level with pay scales.
Any ideas are appreciated.
Thanks
NJ

This isn't the exactly the advice you want, but I'm going to say it anyway. It comes from a place of compassion in my heart. You need to pay down some of this debt before going to grad school. Please do not borrow any more money! As you know, student loans are the only kind of debt that you can not discharge- even in bankruptcy. Get on a budget - Dave Ramsey has an excellent one- and work on becoming debt free. Don't start grad school until you can pay cash.
Your education (loans) have become a burden not a blessing- and that was never what they should have become. LOT's of encouragement to you, I've been there. You can get out.