on the topic of starting a startup right out of college - being a rich kid of course would have its many advantages - but thats a given in all aspects of life - thus moot point - here is where the US Gov can and in some cases does offer some help. You can call up the US loan dept., and tell them you having a hard time paying the loan because you quit your lame job and are starting a business and they will defer the loan payments for a while, I did it and it works.

In the future maybe they could offer this to entice more young people to start companies.