I wouldn't stress that much with the student loan debt. They have a really great program now called the IBR....Erin I think you do that one too right? I have my sister on it. She has about the same amount as me for undergrad and grad school...yet her job while in her field is not full-time most weeks, not with benefits and not well paid. So she signed up for the program and is currently paying back about nothing a month....and as long as she stays in the program and does the paperwork each year, at the end of 20 or 25...can't remember which, any loans leftover are forgiven. Now once she is in a job making what she should really be, the loan repayments go up but never more than a certain percentage of her income (and they take into account family size).
The trick is to never take private student loans...only subsidized or unsubsidized government student loans. So much more protection there.
While I would have loved to gotten a grant and not had quite so much student loans, I loved going to college and do not regret mine for a second. I would totally do it all again. They are manageable as long as the rules are followed about repayments and contacting the lenders if issues arise.