Actually, they are a great investment. A lot of people are afraid of student loans because they are unaware of all the different payment options that you have available to you once you graduate. Once you do your investigation, you'll find out that student loans are actually great for you, just only take out what you need and is responsible. Getting a college education adds value to you, unlike taking out loans like a car which depreciates as soon as you drive it off the lot. So as soon as you graduate, you are adding value to yourself, and loans are just another resource to help you achieve that goal.