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I have no problem paying it back. I just know that I won't be able to afford a home until I'm 45 as a result. And I think that is why people are calling it a crisis. People my age are having to put off having families and buying homes as a result. The crisis really stems from the fact that college degrees are 1. 260% more expensive than they were in the 70's, whereas most items have only grown 120% more expensive. and 2. College degrees are basically like having a high school degree now. I hope that people do get some sort of relief, even if it doesn't help me personally.