Hi Andy,
When I left University our Country was in the last big recession...I did'nt have to do it for that reason as I could have got a civi job...but I joined our Armed Forces...ironically...this is my saving grace right now...(hopefully) ...as my civi job has little or no work happening due to the recession...when your young it pays to have at least two arrows to your "quiver"... a job skill for hard times...and a better one for prosperous ones. Your armed services can probably help with those loans as well....
Good Luck
S/F.