And think about my own student loans. They are large and in charge. Most of the time I try to have perspective. It's just money. I can always work in a private practice part time to pay them off. I can use income based repayments and further hope that there are more measures to improve ways of paying them off. But I still get freaked out. There is a point when you owe a lot of money that you just think, "Man, what did I get myself into?" But you slog on. You slog on. But there is always that moment of panic.