I just spoke with my brother a few days ago to see how he was doing. He is a bachelor and graduated a year ago with a degree in computer science. He is the baby of the family, so I always feel responsible for him (I am the oldest). He has a great job and a great place to live. I am very proud of him. Of course, I had to give him some sisterly advice. I told him he needs to do a school loan consolidation. He has three years worth of big loans and I think he can save money by consolidating those loans. At least he is making a decent salary and is able to pay down the loans on a timely basis!