A big struggle as a student loan borrower? Not knowing what you'll owe - Business Insider

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If you're taking out a student loan, youngsinick suggests asking yourself if it's really worth it, and talking to other people about their experiences with debt — even if it's uncomfortable

since graduating from Howard University into the Great Recession. Since taking out an initial $10,000 in student loans to cover his freshman year of college he's dealt with his debts going to collections, and struggled to keep up with high monthly payments on more than $100,000 in private student loan debt.Arceneaux documents the ways in which student loans have affected his life.

"After I received my diploma, I immediately owed almost $800 a month in private loans, with 12 years to pay it off. That's not counting the few hundred dollars I still pay each month in federal student loans," he writes in his book. As college costs have increased over the past several years, student loans have become all too common.

"I'm not dismissing my responsibility for this," Arceneaux writes. "But along with many other 17 and 18 year olds, when I went to college, I didn't know anything about student loans or interest rates," he writes. For future student loan borrowers, it's not about re-considering going to college — for many Americans, a college degree still carries aRather, it's about protecting yourself with information ahead of time.

"Ask yourself if it's really worth the risks," Arceneaux told Business Insider by email. "Talk to people about money even if it's uncomfortable. Ask people about the types of loans they have [and] how it's impacted them."

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