unwarranted optimism can be an expensive deadly trap.
the sad truth is that ordinary ppl with their ordinary degrees are pretty well screwed.
only those with degrees in maths, sciences which is basically computers have a real chance of making above avg incomes.
Did you go to church and put in a prayer request? Talk to the pastor of a church- tell them you need god to provide payment on your loans so you can tithe the church. Maybe the congestion would take up a special offering. Worst that could happen is the say no, just like god.