text:  You were just making minimum payments, and so the interest had ballooned? Yeah, we were on an income-based repayment plan, and I think some of our loans had variable rates, and we didn't really know what was going on. So you were peddling backwards. 100%. Throwing money away. So you're like paying $100, but the interest is $500, and so it's just compounding every day. And then we looked at it all, and we were just in total shock.