<prompt> Human: Im 20 years old and think Ive probably ruined my life before it starts.I made the now, I believe stupid decision to go to a private, out of state university that averages a little over 50,000 a year. The majority of my class mates have either gotten stellar scholarships, or have parents who can afford to pay their tuition in cash. Im in neither of these boats.My parents work their asses off to give me everything, but we have always struggled with money as a family. They somehow made it work for me to attend my dream school. I have always been an optimistic person, but I think the truth has finally began to set in... when I graduate I believe I am going to be facing nearly 150k-200k in debt. I am not sure exactly how much my parents have paid out-of-pocket for my education they have always been very vague about it, but I know it isnt much. Fuck. Me.Im majoring in something I love -- journalism -- but quite frankly that is not a profession that pays all that well. I have considered going into the broadcasting side of it, which pays slightly more, but I still am not going to be making anything near what I would need to maintain the lifestyle I want and not be completely crippled by student debt. Im about to be a junior in college, so it is way too late to change my major. I feel like Im trapped.The only logical way Im going to be able to live my life not constantly worried about my debts is pursing a different field...which is pretty much too late to do now. Or marry someone rich af. Neither dependable options. I wasnt really sure if I wanted kids or not, but now Im thinking I definitely cant have them because I cant afford them. I dont want to be barely scraping by and have to support a child...that isnt fair to them. They wouldnt deserve that. And what guy is going to want to marry a woman who doesnt want kids :Ive thought of transferring back home to our local university...which pains me so much to think about. I hate the farming community my family lives in from the depths of my soul and do not fit inwould not be able to have a career in the field I desired there. But here, I am basically signing my life away to Sallie Mae. WTF DO I DO?!?!  <response>: Heres a reality check: you are transferring to a cheaper school tomorrow. Youre also correct about not having children for financial reasons. Youre also changing your major to a more lucrative one. Youre also living with your parents and working two fullish time jobs for the next decade. I know this sounds dreadful. Unfortunately this is dictated by the financial reality of your situation. Right now youre around 100,000 in debt. Given a 6 interest rate and a normal 10 year payback period, that will cost you 16,000 a year just to make the MINIMUM payments. If you ride this out to graduation youre looking at between 24-32k a year in minimum payments. Journalists average a starting salary of 37k. You can do the math there. You do not have an option here about staying. It simply isnt possible for you to pay those student loans on a journalists income. Get out, stem the bleeding, and get a state school degree in something that has a hope of digging you out of the current hole. 