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Here’s what happens if you default on your student loans.

Think giant student loan debt is the new normal? You’re right–it is. But it shouldn’t be. There should be nothing “normal” about 44 million of our sons and daughters taking out loans they can’t repay for an education that won’t pay off–leaving them with debt for the next 10 or 15 years of their lives.

The number $1.4 trillion–our national student loan debt–speaks to how big this problem really is.

stress of college planning

So what’s life like for a bright college grad sacked with student loans? Here’s one young woman’s story.

And what if your son or daughter takes on too much debt and defaults? Here’s a great step-by-step guide on what happens if you’re student defaults on his or her loans.