<prompt> Human: Currently in my senior year of undergrad at university. Ive had to take out about 30k in student loans and on top of that managed to get myself in about 10k of credit debt due to some crazy personal life issues with my parents along the way. My friend who graduated last year started a successful business and already makes over 100k a year. He tells me not even to worry about the debt because Ill land a job and pay it off in no time, but I doubt that I will encounter the same success he has. Im constantly reminded by the fragility of my entire life every time a credit card bill rolls around and I use stupidly have to use school loan debt to pay for it. The imminence of graduating is starting to seriously stress me out, because that is the point I will have to start making payments on my school debt. Ive never missed a payment on anything and have no negative marks on my score, so if I somehow managed to pay off all of this credit debt my score would be around a 750. Still, the constant stress of everything falling apart at once is taking some serious tolls on other areas of my life and making me feel increasingly dysfunctional. Ive recently considered the possibility of declaring bankruptcy and just starting over, but I have no idea what that even means or how much worse it would make my life. Im not sure if there really is any great advice anyone can give me other than to tough it out and pay everything off, but I thought Id put this out there in the hopes of some wisdom. Thanks for reading.  <response>: If you can graduate with only 40K in loans, you are way ahead of the game my friend. Your OK. Trust my experience when I tell. Right now, focus on getting a job not out of desperation, but rather with an eye on the right living, commuting situation for you. all you need is a job starting at 30K to 40K for now and you will be OK. 