Helena, 58, has $145,000 in student debt that she's struggling to pay off. Since she could not afford to finance her programs out of pocket, she took out about $80,000 in student loans for her bachelor's and master's degrees in psychology, the latter of which she earned in 2009. Because of her minimal income, she could not afford to pay off any of her student loans for a period, and interest accrued. Interest on student loans began accruing again last week, and borrowers' first bills are due in October. One 70-year-old borrower said in 2021: "When student loans took over my life, I stopped looking forward to anything.

---

Persons: Helena, She's, — Helena couldn't, It's, she'd, Helena —, Joe Biden's, He's Organizations: Service, Ohio —, eBay, Education Department Locations: Wall, Silicon, Ohio, Helena