First of all, she is a B****. Secondly, I am starting to wonder how I will ever be able to afford to repay my private loans. I not only have private loans, but also federal. My federal loans will be lowered because I will enroll in the Income based repayment. My Sallie Mae loans are going to be about $500 a month. This is ridiculous and I asked them to extend my payment plan by ten years(Hell even five would help out) but because of implications, I cannot extend my loan and I am locked into paying whatever amount they deem appropriate. My big first year teacher salary is coming in at a whopping 34K and with federal loans I am assuming that I will be repaying about $100-$150 on those loans per month. Any advice other than get a second job?