I have over $60,000 in student loans. no joke (wish it was). Yes, I would do it over. Although, I'd try harder to find scholarships (some years I was. show more I have over $60,000 in student loans. no joke (wish it was). Yes, I would do it over. Although, I'd try harder to find scholarships (some years I was just plain lazy, and that was incredibly stupid of me). I have a masters, about to get my Ph.D. so, I can afford the loan repayments. And, I live in expensive NYC. Even though I pay on loans, I still have $35,000 or so each year for fun and investing.
So, it depends on what you're going into, whether it is a high paying career, etc. if it's not, it's not too late to think about grad school to boost your earning potential.
$15,000 in student loans should put your payment at about $200/month or just under. If your loans are Stafford, you don't have to start paying on them until 6 months after you drop below full-time status anywhere, anytime. Theoretically, you could just stay in school all your life, living off you're Stafford reimbursement checks until you're dead, never having to repay a penny.
So, my advice to you is to go onto monster.com and do a job search to see what jobs in your field with your degree are paying, figure what your monthly income would be after taxes. Then, add up all your living expenses, including food, gas, misc. and this $200/month student loan repayment, and see if it all works out. If not, start thinking about a Bachelors or grad school, and maybe even in a higher paying field.