<prompt> Human: I left school with 15,000 in loans, basically paying them off as I went, but now I am on forbearance, since I cant afford to pay it. I want to now get rid of this debt and pay it all off. It grew to 21,000 in a year and a half of paying it off monthly. Im losing money... My wife says it would hurt our credit, what should I do?  <response>: Erm...pay the debt off? I may not be understanding the nuances of your question. Pay whatever extra you can towards the debt. Read our handy FAQ!! 