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Never get a student loan. Sure, sometimes is unavoidable. Sometimes people need to take one out, but if you don't have to then don't. Worst decision of my life.
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Absolutely, you're all correct. I am in no way making excuses, I am trying my hardest to work this all out. I have cut out a lot of things in my life to try to pay it off. We don't have cable anymore, I don't have a smart phone, we cut back on unnecessary travel expenses, don't eat out, I don't play rec hockey anymore, we are quite stingy with how much we spend on groceries in a month, very little money spent on entertainment. I am working full time, my wife having medical issues can't work for the time being and I have one other dependent(2 in August). This month we barely scraped by, we were blessed with a generous monetary gift from my parents to help.