Rony Camille of Nashua, N.H., has $85,000 in loan debt, not including interest. "I currently work two jobs with the occasional freelance gig here and there. My annual take home salary from my two jobs is $33,000," he said. "Some months' cost-of-living expenses outweigh a student loan payment. Starve, miss a rent payment to pay a loan, or eat and not pay a loan." (Rony Camille)