<prompt> Human: So today was pay day for my company. As per every 5th of the month, I put 500 dollars on my student loan. about 150 more than minimum, and roughly 14 to 15 of what I make each monthEach time I make a payment on this loan I am reminded of my colleague in this same department who went to the same school as myself, and instead opted to go one step further than I and get his bachelors. This accumulated him roughly 20K more in student loan debt than myself. I had 35KUnlike myself, he does not make any payments on his student loans. We have discussed this before, and it seems that he could not realistically make payments on them while still having enough to stay afloat. So based on his income his loans are in deferment. He claims that he should not ever have to pay them, but I am not sure if this is true.Please note that I am not trying to sound spiteful or bash in anyway my colleague, he is a good man and my personal friend. I am simply using him as an exampleAs to digress, from a quick search it appears that the current U.S student loan debt is around 1.2 trillion. There are many people like my colleague who simply can not pay their debts.What I am asking you is, what are your feelings on the current crisis. What are your speculations on how this will be resolved? Are those of us who actually pay our student loans getting screwed because of some future bail out of some sort?  <response>: I dont think its really as bad as it seems. Yes the keeps rising, but the of people that is spread across continues to rise as well. The average student loan deb for graduates is 29.4k. Its a decent amount, but not anything more than a new car. Yes, there are people with astronomical debt, but I think we will see less and less of that as people begin to realize what a burden student loans can be. I guess I just dont think it is that out of control on a per graduate basis. I had 20k and paid it off in a little over 2 years. I think what will happen is schools will start watching their budgets a little more closely to keep costs down. No more lazy rivers in the rec center or other crazy stuff like that to make the university seem more like a resort than a school. 