Steve hit the nail on the head, as he so often appears to.
Debt carries a very negative feeling to it. As if it is a bad thing, some sort of penalty.
What you need to instead see it as is not a penalty, but you returning some value that was given to you in the past. Be grateful instead that you have this chance to clear that debt from yourself.
The school loaned you money, and that added value to your life, now it is time to repay that value. You might find that it coinciding with your psychoanalysis debt is actually a good thing.
As another example, most people dread getting bills, but I am grateful for them. They give me a chance to express my thanks for the resources I have recieved. Electricity and the internet especially have added a huge amount of value to my life, I consider the costs the least I can give as thanks in comparison.
You have built up a strong value debt and to get out of it will force you to grow and start generating value for others. Once you clear that debt, you will find yourself in a much stronger position than you are now, because you will have started the habit of generating and giving value.
In more practical terms the extra income you will be required to generate in order to pay off the debt will still be there when you finish paying it. Once this storm is weathered in the short term you will be stronger in the long term.
As for generating that extra income? Most people try to think 'how can I make more money?' Instead focus on 'How can I give more value to people?' Increase the value you provide, and your income will increase accordingly.
This one idea will get you a significant payrise every year of your life from any sane company in the world - Give 50% or more value (not necessarily work, but value) above what they pay you for.
A smart company cannot then refuse you a payrise, because it is more expensive and troublesome to replace you than to give you the payrise.
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