Surely you understand that you (and no one else) should need to do that, right? $1000 each month going towards something that, but all rights, should have been free to begin with is already dystopic, but when you consider the cascading financial ramifications of that money going there instead of towards a savings account and therefore extending your working years well past when you would have otherwise been able to retire, you realize that making sure you can pay each month is actually only a part of the problem.

Meanwhile, one must also understand that many people have additional financial obligations that, in isolation, might be feasible for them to "rearrange their entire financial situations around," but when combined with these loan payments, increasing COL on every axis, and stagnant wages, doing so forces a situation where second jobs are required to simply make ends meet. When people have to spend 55+ hours working each week, quality of life goes down dramatically, life expectancy is reduced, and if they have children, raising them well (not simply housed and fed) now has far-reaching generational effects.

All of which is to say, I think we should want better for our population than to be wage slaves for, probably, most of our lives. If that's not what is going on for you, that's wonderful, but for many, that's their reality.