But Dahjanay Williams, a 21-year-old junior at Wheaton College in Massachusetts, still worries that if she doesn't get a job before her loans come due, she won't be able to make regular payments and her credit will take a hit.

WSJ: Third of Student-Loan Debt Belongs to Subprime Borrowers

And make regular payments.

CNN: College can be a crash course in debt

Analysts cite them, retirees love them and just about anybody will tell you that regular dividend payments make a business more valuable.

FORBES: Magazine Article

And if there wasn't discrimination, given that they've proven that they can make payments on a regular basis, they should be looking towards banks, converting those loans from the subprime market to the conventional market to refinance those loans where it's possible.

NPR: Beware the Bad Home Loans

And just like with cash, if income from bartering results in taxable income, you may be required to make estimated tax payments (subject, of course, to the regular rules for making estimated payments).

FORBES: Taxes from A to Z: B Is For Barter