I have $25,000 in student loans for my undergrad degree and my parents took out $60,000 on my behalf. I’m on income based repayment with $0 monthly payment. Whenever I earn overtime or get a tax refund I throw it at the loans, otherwise I don’t think about them often.
To my surprise, my loans had little affect on my ability to get a car loan. Other than occasional anxiety about them, the loans haven’t affected my life much.