I have major debt problems. Actually about $60,000.00 worth fo them. I have around $38,000.00 in private student loan debt. My payment for this is around $350 a month and will take 20 years to pay off. I also have around $7500 in government student loan debt. I owe nearly $12000 on my car, $7500 on credit cards, and owe $2700 on a personal loan. The major reason for all this debt was because i got layed off fromm my previous job. I decided to go back to school( a two year tech school). At the time i was living with my parents and soon after starting school my parents got our house repo'd.