My goodness, 130K in student loans! Damn, that is insane!!!
I've contemplated studying IP law and even scheduled to take the LSAT but one of the drawbacks were the student loans. The thing is you have to pay them back no matter what, no chapter 7, 13, etc.
Suprachica, you are definitely in the right field since drugs will always be in need regardless of how many clinical trials it takes before it hits the market. I really feel really sorry for the recent grads who are unable to start their career yet have to pay back those student loans.