We have pretty big student loans, which we pay on. If a bailout happened, it'd be great, but as it is, we just plod along. I owe like $50,000. My dh has massive loans, too, mostly from undergrad.
I regret my student loans, which were for a master's program. I graduated debt-free from undergrad, because of scholarships and living at home.
When it came time for grad school, I foolishly borrowed all the tuition (!), plus I could not work enough to pay for my living expenses (I underestimated the time commitment of my program), and I put a lot on credit cards. I'm now a SAHM.
I regret the loans and the credit card debt (which is all gone; the loans are another story), but honestly? I didn't really know better at the time. I was so young. So naive. I grew up in a small town, went to college in that town, and had never lived elsewhere until grad school. I was a nurse that got my midwifery degree. I asked about salaries, but I didn't realize that I was comparing the bottom of the barrel nurse salary (my hometown) with the top of the line, probably not possible anymore due to changing healthcare midwifery salaries (the midwives I knew). I finished grad school making the same thing as nurses in the "big city" made (there's not a lot of difference in most cases between nurses and midwives). My SIL "up north" works as a RN. She makes twice as much as my last midwifery job in the south. With a smilar cost of living (the midwest).
I HAD NO IDEA.
I had no idea that I could have made that much money as a nurse. No one warned me that debt saddles you for a long time and limits your life. I grew up low-income (one wage earner, and he was a social worker), and we didn't talk about money. Just spent all we had, whatever that was. My parents weren't in credit card debt because no one would give them a credit card. Stuff like that. Everyone was so proud that I got into school (and naive themselves) that no one, and I do mean no one, mentioned the money.
When I graduated, it was scary to do the bills and realize I didn't have enough to pay them all every month. Thank goodness I got married, and we had more income coming in.
It's been a long road since then, and I've accepted it, and I pay them back faithfully. But, I think it's really wrong to judge folks for the mistakes that they make with student loans when they are really young and, for the most part, naive.
I'm sure someone will come on here and say, "hey, I was 14 and I had the first of my 6 kids, and we are all.so.together, and I've never made a money mistake, and I'm a gazillionaire now, and so why can't you
." But, most of us fall victim to the folly of youth. I was just telling my dh last night that I wish I could have lived my 30s before my 20s. LOL