This is what got me. I took loans upon loans out for grad school thinking the lenders would make it reasonable to pay back - and unlike say a mortgage, no one sits you down and spells all your monthly payments back to you so you know what you're getting into. It's classic predatory lending.
I have $400K in debt that I will never pay off in my lifetime, and yes it means I will never own a home or be able to have children because it's just not feasible.
Those were the choices I made - never knew how it would affect me 20 years later...... and counting....