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Courtesy of Trinity Jennings-Pagan(NEW YORK)  For Haley Reyes, there were two questions looming over her senior year in high school at the Urban Assembly New York Harbor School in Manhattan. First, was whether she'd get into her dream school of Syracuse University. Second, was how she'd pay for it without going into crushing debt. The sticker price at the private university tops $85,000 a year for tuition and housing, even as Syracuse says most students receive some type of aid. Reyes, whose father died when she was 12 and whose mom earns a middle-class wage to support three kids, qualified for just $5,000 in federal grant money. Her best option would be to snag merit-based grants and scholarships, which seemed out of reach for a student whose family could afford the basics. The other option is debt – tens of thousands of interest-bearing loans from the government in the hopes that one day her income will be high enough to pay it back. "You start to wonder, is my fam

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