I'm a Cancerian the typical crab with the tough outer shell and the soft bit in the middle. I don't think I'll ever come to terms with people being unnecessarily nasty but I can take it if someone doesn't like my music - I'm not everyone's cup of tea.
The most important loan to pay is your student loan. It's more important than your mortgage car and credit card payments. You cannot discharge student loan debt in the majority of cases.