Welcome to Steemit! Quite the journey, and I hear yah on student loans! That really really sucks that the Fed rate hike is putting such a strain on your loan. I know you aren't the only one. (I'm also a college student). The fed rate hikes are hurting a lot of people right now, but they know that the increase will put a strain on loans and increase the default rate so, hopefully they don't increase it to much more. Nice intro and I''ll help with your loan. Here's five cents! haha, followed!