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with about $25,000 in student loan debt. in this state it is even higher. americans now owe more on their student loans than they owe on credit cards. living with that debt means you have to make pretty tough choices. it may mean putting off buying a first home or chasing that great startup idea you ve got or maybe you will have to wait a little bit longer to start a family or save for retirement. when a big chunk of every paycheck goes towards loan debt, that s not just tough on you. that s not just tough on middle class families. that s not good for our economy. that money that could be going into businesses is going just to service debt. as i said, this is personal for me. i know something about this because michelle and i, we went through it.