I am also ladened by a large amount of debts from undergraduate study. However, from my perspective, if we want to clear out my debt ASAP and meanwhile could accumulate to some extent money in a short time, I think it is a better choice for us to further education and find a dream job with high pay. Only this we could solve the two tough issues. What do you think? Because as an udnergraduate, you are too fresh to get a high pay and hardly start a very attractive salary.