I'm sure most of you have college loans to pay , with the exception of a few students who were offered scholarships or grants. Without getting into specifics , how long does it take most of you to pay off your college loans. tuition at my school cost at least 10,000 dollars a year. I know I won't graduate in 4 years, maybe 5 or even six years. Should I go ahead and attend grad school after I've completed undergrad in the projected years or should I take some time off to pay for college loans and then apply to grad school?