<prompt> Human: The first decision in not giving a fuck about my student loans is enrolling in a repayment program. The Department of Education offers several repayment plans that make payments more manageable. I currently take advantage of the Income Based Repayment program which calculates your payments based on current income, not what you owe. Albeit, my payment amounts barely scrape the debt plate, but my credit is not suffering and with 20-25 years of on-time payments, my remaining balance goes bye bye!With an automatic deduction coming out of my paycheck monthly, I truly do not give my student loans much thought anymore. As long as I keep a job, my loans will be satisfied monthly, giving me a chance to give a damn about more important things.  <response>: Banks hate her? 