<prompt> Human: I dont know how on Earth to cope with this.Granted only a small portion of these loans are mine the rest are in my moms name...Im just upset and scared. I dont go to an ivy league school or anything-- its mind boggling how my debt is already in the triple digits. I guess my question is, do I give up now? I dont have a job at the moment and still have about 29 credits left in my degree program. I feel like a failure and a burden. Ive never been a great college student but I dont have anything else going for me.  <response>: Finish your program as 29 units is just one year. Only thing worse than graduating with student loans is dropping out with same loans.If I may ask, what is your major? Loan debt is scary but you can go on an IBR plan if you feel like you will never pay it all off.You may also want to look at your budget and work on incurring as little additional debt as possible by either working more hours, spending less or a combination of both. 