Posted on April 2, 2009 at 2:33 pm Personally I think if you can get through school without loans and go on grants and scholarships I would do that. Student loan debt can get really huge and is hard to pay off. However there are options when you are required to pay it back that is called a deferment and this can buy you time when you are unable to start paying it back. Only thing with that is the interest is still adding up so I would not reccomend doing this for too long. But it is an option at least with goverment student loans. I would contact whomever started the loan and ask them what kinda of programs they have. I hope this helps.