Thanks for doing this. I'm 40, with $110K in debt and a 30-year payoff. Yes, I may start getting Social Security (if it still exists) before I pay off my loans. Forget saving for a house.
The real kicker is that I have just shy of 3 out of 10 years needed working at a not-for-profit to get "public service loan forgiveness." But I've been without a full-time job for the past two years, and even though the jobs I've cobbled together have all been at NFPs, those don't count because they're not full-time by the govt's definition.
Added punchline: I have an offer for a temporary full-time position starting this fall with an NFP that might turn into permanent work. But they've just voted to turn themselves into a B-corporation. So there goes that.