Debt is not in your vocabulary. You can defer your loans as long as you are in school, so it's no problem. You only have 6 more classes until you have your degree in poly science but you have had a change of heart and now you are studying fashion design. Even though you know more than your professors on any subject possible, you are still the one who pays them to come to class every day. You know what they say, those who can't, teach. In your case, you study. The legacy you will leave to your children? YOUR student loans.