Unfortunately, my parents have to pay off about half of my loans because the college decided they earned too much for all the loans to be put under my name (despite the whole filing for bankruptcy thing), but, then, I also don't have to pay off nearly as much as I would've and they're completely happy to help me out, so I'm pretty lucky. Add to that the fact that I only have two years of loans to pay off, and I really don't think I have too much to worry about.