An illuminating case study from the NYTIMES looks at “the plight of Liz Kelley, a Missouri high
school teacher and mother of four who made a series of unremarkable decisions
about college and borrowing. She now owes the federal government $410,000, and
counting.”
http://www.nytimes.com/2015/11/29/upshot/student-debt-in-america-lend-with-a-smile-collect-with-a-fist.html