Xbox live its great, and for the price I think its a steal. But paying off over $50,000 USD of college loans calls for XBC. Note to other --> don't go to a $25,000 a year school when you can go to a community college and pay $2500.00 for the same thing :D
http://www.xbconnect.com/ its just like Xbox live, but totally Free! You download the program and it works just like xbox live, alot of people use it, but its mostly for halo, No adware either, its all I play on.