It is increasingly common that delinquency rates now exceed spending on mortgages, car loans, and credit cards. “Student loans are difficult to repay, even in bankruptcy, suggesting that many of these people are truly unable, not just unwilling, to pay them” (Haltom 14). A multitude of students desire to take the step that a rigorous education can take them to, but stumble upon insurmountable debt that blocks their future and devastates not only their finances, but also their optimism. Overcoming previous obstacles to achieving one's goals, the ultimate challenge of finding a career for one's particular degree lies dormant for the near future. A college education can broaden career horizons and help them obtain stable employment. Through education, one can develop one's intellectual capacity as well as one's financial capacity. “The median person with a bachelor's degree earns about $48,000 a year, compared to $27,000 for a high school graduate, according to the U.S. Census Bureau” (Haltom 14). A university education should allow everyone to flourish both internally and externally, while moving society forward with them in a constantly changing world. These statistics represent the ambition