I am an ordinary guy who has put in many years of schooling. I did this to better my life along with my family but getting that opportunity to further yourself is hard to come by. So, I have years of schooling but the paycheck does not fit the bill. I have a lot of student debt now and a teacher job that I am supposed to make a payment from when the time comes for the loans to be repaid. I am just trying to get into a nice home but student loans make getting approved hard.