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I was a single mother with two children living in San Francisco in the Eighties. I went to a community college and then transferred to San Francisco State University, a four year college. Trying to pay rent in one of the most expensive American cities, even then, was a challenge for me. The whole point of returning to school was to better my living situation so that I could provide for my children. So, I took out student loans for my living expenses, feeling certain that I would get a great job and repay. Because I was an excellent student studying French and International Relations, I was admitted into an international program where I took my daughter for an academic year at the University of Provence in the south of France. By the time I returned, my loans came due. I was only six units away from graduation. So, I never got the chance to graduate and before I knew it, I owed over $32,000 for an education I couldn't complete. As a result, I was never able to achieve the salaries that would allow me to get rid of this burden. And this has hung like an albatross around my neck ever since. I am now 64 years old and I have no idea how I will ever be rid of this catastrophic burden. Help!