So like, from what I’ve seen with my college buddies, student loans are a double-edged sword, right? You get the cash to go through college which is awesome, but then you finish, start working, and bam!—every month you gotta pay back this chunk of your salary. For years, dude, like literally forever. My one friend had to delay buying a house because her debt-to-income ratio was too high. Another delay was upgrading her car. It feels like once you’re in it, it’s tough to get out of, you know? Planning ahead sounds boring but trust me, it matters!