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Just be lucky you only owe $7k. I was in a similar situation to you. I never got to finish school because I had to basically quit my job and school to take care of my father who had a massive stroke and had no insurance or finances for in-home care, and then my mother got very ill shortly after. It was just hell. So I owed 16k in student loans and never even got my full degree. I'm currently down to 8k which is reasonable, but I basically paid for nothing. The funny thing is, even though I do not have a degree in computer science, I still work for a company as a software developer because I am learning what I need to with the help of my co-workers and free web courses. College is a waste of money nowadays for a lot of things. I feel like you get much better training and experience with apprenticeships, if you are already apt in the line of work you choose.