All good advice...
I don't exactly feel bad for the student loan lenders, they give out loans because they are practically GUARANTEED payment (although there is talk that this will be the next financial crisis, as college grads can't find jobs that pay enough to pay their loans- I am nearly at that point and I have what would traditionally have been considered a great profession). One also has pretty much no choice but to pursue advanced degrees nowadays,
You always have choices.
You could a) take a semester off to pay for the next semester, b) go part time while you worked full time to pay for it, c) gone to a local state school, or d) take out a loan and worry about it later.
You chose d). I'm not going to beat you up for your choice, but I am going to give you a little grief for how you feel about it. No one put a gun to your head to take out that loan. Now, you own it. So, OWN it. Now is the time to be a big boy and create a five year plan. Yeah, I know you're in your 20s, you're supposed to be having fun, not doing whitebread suburban middle class dad stuff like planning...
but that is what you have to do when you are carrying an ADULT debt.
Just as you don't feel bad for the student loan lenders, I have a really hard time feeling bad about your financial burden when you have bought a boat.
You want to be free? Pay your student loan the fluck off, as fast as you can. Work the overtime, get a part time job with a stupid hat if you have to, sail you ass off every free day you have, take your two week vacation every year and gunkhole, and if you can kick an extra $500 a month toward that albatross, it will be gone before you are 30, and you will own your life. You will be one of the most dangerous men alive- a a man with no debt and a boat.
or you can make the choice to be like the rest of the sheep and bitch about being owned by the bank.