That ' s how a lot of people feel , but it doesn ' t have to be how life is . Some people find therapy very helpful , I highly suggest it . The thing is , you have to want to improve your quality of life . If you can ' t accept that things can get better , they never will . <| sep |> No , in High School its very simple to get College Credits . I entered half way through Sophomore Year in terms of credits , so if I didn ' t change majors I ' d graduate at 20 . EDIT Accidentally left a booger in majors <| sep |> got you ! grey rat rods to the rescue jk , gl trading uped for taking your time reading this xD <| sep |> Hi there , I recently graduated from a university in Canada with my engineering degree and will have my loans paid off in 8 years total . It could be less depending on personal circumstances , i . e . living at home , working during summer break , etc . I worked a little in the summers so I would have money throughout the school year and did not need to borrow anything extra , but lived on my own away from home so I had to pay all my own living expenses . I also needed a car after I graduated for my job , but if you don ' t expect to need one living in a big city for example then that is more money you can spend on paying down your loans .