Law school was supposed to be Erika Stallings’ path to financial stability. The first in her family to attend college, Stallings earned a full ride to the University of North Carolina, and then chose to attend Georgetown Law because the school offered her a partial scholarship. But she graduated with $115,000 in student loans anyway, and today, the $1,000 monthly loan payment eats up a big chunk of her paycheck. So despite her white-collar job and fancy diplomas, she remains in a state of financial precariousness.

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