Students are able to get help and take out student loans so they can attend college and get a better job with a higher income, but if students aren’t able to achieve their accomplishments because of their loans could end up in debt. According to Student Loan Hero, Americans owe nearly one point three trillion dollars in student loan debt, spread out among about forty-four million borrowers. Students tend to take out student loans because they have an income that does not only go to their college funds. Students that are older have to balance their car payments, housing, or maybe have a family of their own and have to balance other expenses. Graduate students have owed more in student loans because their classes are more expensive and they have more responsibilities. Older students have more responsibilities to take care of like housing, transportation. Students struggle to pay back students loans when they don't make enough money to make payments back to their loans because they ended up borrowing more. According to Student Loan Hero, students borrowing small amounts and working fewer hours could increase their probability of earning a credential. Even when students graduate and have a job if they don’t work enough or make the money they anticipated to have they aren’t able to pay their loans making them fall into