I know this has been done to death at this point, but I feel like telling my story student loan horror story as well. To get right into it my original loan was 123,000 , ahhh it hurts to even type that out... After 10 yrs of on time payments of 500 dollars I am down to drum roll please... 92,000. The number just is so large I really dont know how I can pay it off except slow and steady, but I really want to get this monkey off my back...