400 dollars as a student repayment of the loan seems small, especially for a single person with no family. There are people working delivery jobs and even off books making way more than that money and yet, going to school in the evening and buying cars and taking loans when necessary. I can tell from these stories that these people hate the struggle, and although college graduates, they never passed the school of hard knocks, as they gave up too easy on America because they couldn't find a job in their city or field, but why not move to another city or expand horizons? I understand if the loan was a colossal 100k, but 30k is quite acceptable. Also some students go study in China to avoid paying for college, so how come the thought never crossed their mind, and working as an expat is a choice, not a last resort.