Way to go!
That is amazing progress. I am going to really take your diet under consideration. What is your training like? Volume? HIT?
I don't see any man boobs at all. Your pecs look great.
About student loans, I wouldn't advise that. They're not as great a deal as many people think, and they follow you around forever. If you run into trouble paying for any reason, bankruptcy isn't a way out of student loans the way it is for regular loans, and the Feds can garnish your wages just as if you owed child support. I'd talk to a financial advisor before doing anything drastic.
--Tony
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