The fourth Nellie Mae survey of student loan borrowers in repayment reveals that education debt burdens remain manageable for most borrowers. A clear majority of those in repayment report that the benefits of the educational opportunities made possible through borrowing are well worth any problems associated with paying off the loans. There are, however, indications that negative attitudes towards education debt are increasing over time. Moreover, borrowers from low-income families are more likely than others to report repayment difficulties, even when controlling for current incomes and debt levels. (Contains 7 tables and 1 figure.)