payback time.. boohoo

finally received the letter asking me to repay my loans. boohoohoo. haven't even finished studying and i have to repay loans. luckily it's only 2 yrs of educational loan, and the receiver of the $$ is my dad. but still.. i have no $$!! it's stated that full time students can defer payment. but the interest will continue rolling til i pay back! grr.. so not much benefits in that sense lor. HOWHOWHOW. i have not enough money to pay back.. no cpf to deduct from.. argh. money matters give me bad headaches.