When Kate Rollins went further into debt in order to postpone the repayment of her existing student loans, she knew she was in trouble, reports the Huffington Post. Two years ago, Rollins, now 24, graduated from San Diego State University with a degree in political science. Though she owes $50,000 in undergraduate student loan debt, as well as another $2,400 split between two credit cards, she recently started a full-time certificate program in marketing at a local community college. Being enrolled in school allows her the relative freedom of loan deferment–a stopgap measure that is nothing if not a temporary solution…

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