Geoff Tam-Scott probably will be paying off his college education until he’s 35, but at age 22 he considers himself lucky: A year after graduating from Amherst College, he shells out only $125 a month on about $20,000 in loans. ââ?¬Å?I have friends who have like $100,000 to $120,000ââ?¬Â in debt, he says.