<prompt> Human: I go to the Art Institute and have been going to it for over 3 years now. Its normally a 3 year program but only if you take 5 classes every semester nearly impossible to do. Due to credits not transferring from other colleges, having to retake failed classes, etc Ill be at 140,000 when I graduate after being here for four years. I was in student housing for quite a while and also get refunds to pay for my apartment.I have all of 2016 of school left so I dont need to worry about loan repayments now, but Im so scared. I dont want to take out another loan, but I cant just drop out. I dont know what to do at all. How do I handle a loan this large? Theres a possibility Ill get a job in the industry this year, and those jobs can start out around 45-50,000 a year.I just dont know what to do, please any advice will help.  <response>: OP do you realize how much debt that is?Assuming the avg loan int. rate is 6, over a 10 year repayment period, youll have to pay 1554 a MONTH. 