Question

求翻译！不要机器翻译，谢谢

I never would have been able to pay back all my student loans at once if i had given up when times got tough.

Answer 1

虚拟时态， 表示已经还清了。
要是在那艰难日子里我选择放弃的话， 我绝不会马上还清我的学生贷款。