My name is Victoria, I am a 22 year old college grad and I am faced with an unbearable amount of debt. I graduated in May 2013 with a B.S. in Homeland Security with an area of concentration in Terrorism Studies. My loan company refuses to give me extended repayment terms and I am facing $770/month payments for the next 15 years. I am so worried about what is going to happen to me! I fear my credit will be ruined before I even get a chance to start a life. I have to move out of my apartment and get a second (and likely third job) in addition to my full time employment, unfortunately with such high paments I have been denied from every apartment complex I've applied to. I want more than anything to pay the loan companies but without payment terms I cannot aford such high monthly rate. Please help me to climb out of debt it would mean the world to me to be able to start my life as a young adult and build a future for myself.