If you’re a recent college grad and have $25,000 to $30,000 in student loans — roughly equal to what we spend on our cars — don’t view it as $25,000 in the red. Think of it as an immediate $14,000 boost in annual earnings. For you, student debt is no crisis; it’s a simple trade-off. But, if you chose to attend a for-profit college, paying off your loans may be a life-long struggle.