I agree, everyone of us knew exactly what we were getting ourselves into before we got into it. We need to have some accountability and not expect any bit of a free ride. Some of us were smarter spending much less than others going to "top notch" schools getting a "better quality" of training. Of course we're all at the same job, and the amount we owe is a direct result from our earlier decisions. It's our responsibility, not anybody else's.