If I knew in high school what I know now, I wouldn't have spent 100,000 dollars to go to art school. But I didn't, and I did. So here I am.

I graduated back in August. My grace period is nearing its conclusion for both my private and federal loans, and I didn't comprehend how truly awful my situation is until I got my statement in the mail from the private lender. I owe them 92,000 and some change, with an expected monthly payment of 730 dollars.

This isn't counting my federal loan, of course, but I only have 15,000 in federal loans, which is a drop in the bucket compared to my private ones. My private ones (all four of them from Citibank) have interest rates of 5 or 6 percent. My federal one is 6% as well, I believe.

I can't fathom my career letting me pay that much money in any reasonable time span. Considering that I haven't even gotten a job in my career yet, and my current job pays crap, that hope grows slimmer still.

In a world full of glitter and dreams, I want this paid off in five years. In reality, I want it paid off in ten. Can anyone suggest some steps I should take to reach either of these goals?