Sauteepan- I had unsubsidized loans in college, but luckily I was able to pay them back in a reasonable time.
I wanted to add that I love the deferred payment options that some stores offer. I bought furniture last year this way and I loved it.
There were no payments or accrued interest for a year. But with these arrangements it is best to make equal installments and take advantage of the no interest timeframe because when the interest begins it is usually at a very high rate. Interest rates of 24 to 25% are not uncommon.