Student loans are astronomically over any ones head with the job market. There are no jobs hardly out there,including New Jersey and across USA.The Government,Congress,Senate,Major Bankers need to cut the interest on what loans are being added and charged monthly with this interest in a terrible job market. Please lower APR completely, It is completely bad Government, and UnEthical Business Practices. If the Government made over trillion dollars in loans in 2010-2011 how could there be no money for any one to earn.