I'm a 30 yr old female with a BS in Secondary Education with a concentration in Spanish who has been out of school since December of 2001.  I am not working in my field at all.  Meanwhile I am still trying to pay back over 40, 000.00 in loans that actually did no good.  If I had it to do all over, I would have never gone to college, borrowed money, and the scholarship money that I won, I would have taken it and purchased my first home at 17 yrs old.