@Pumeco: 

In order to really give the advice on paying off loans, you're really have to understand how the government student loan works. For instance, if you take out loans for a law degree, you'd basically have to be working in that industry to pay off the loans because of the cost of law school. If you take out maybe $100k loan for law school, you'd never be able to pay that back working in a grocery store. And you can't default on the loan because the government WILL get their money by garnishing your check. So for some, the student loans can be crushing for them, especially if they don't get into their intended career.