Work as hard as you can doing what ever to pay as you go. Use as little loans as possible. It can take you as long as 5 years to even begin to pay off your debt. Try telling them you are an airline pilot and you can't make minimum payments....

I am in year two in the regional airlines after two years of instructing. School loans and credit card debt just to get by have me in the poor house - In the ghetto where three people were shot within 100 feet from my door last year alone.
Remember this, you have to love flying more than money or the coolness factor.