1. “Quarterly Report on Household Debt and Credit,” Federal Reserve Bank of New York, February 2018, https://www.newyorkfed.org /medialibrary/interactives/householdcredit/data/xls/sl_update_2018 .xlsx.
2. “Consumer Credit Outstanding,” Board of Governors of the Federal Reserve System, February 7, 2020, https://www.federalreserve.gov/releases/g19/HIST/cc_hist_memo_levels.html.
3. Abigail Hess, “College grads expect to pay off student debt in 6 years—this is how long it will actually take,” CNBC, May 23, 2019,https://www.cnbc.com/2019/05/23/cengage-how-long-it-takes-college -grads-to-pay-off-student-debt.html.
4. Zack Friedman, “Wait, My Student Loan Balance Went Up After 5 Years?” Forbes, February 10, 2020,https://www.forbes.com/sites/zackfriedman/2020/02/10/student-loans-balance-increase/#ccfb6a946259.
5. Matt Tatham, “Student Loan Debt Climbs to $1.4 Trillion in 2019,” Experian, July 24, 2019, https://www.experian.com/blogs /ask-experian/state-of-student-loan-debt/.
6. “Understand how interest is calculated and what fees are associated with your federal student loan,” Federal Student Aid, https://student aid.gov/understand-aid/types/loans/interest-rates.
7. “2018 Student Loan Update,” Federal Reserve Bank of New York, https://www.newyorkfed.org/medialibrary/interactives/household credit/data/xls/sl_update_2018.xlsx.
8. “Wondering whether you can get your federal student loans forgiven for your service as a teacher?” Federal Student Aid, https://student aid.gov/manage-loans/forgiveness-cancellation/teacher.
9. “Public Service Loan Forgiveness (PSLF),” Federal Student Aid, https://studentaid.gov/manage-loans/forgiveness-cancellation /public-service.
10. “Public Service Loan Forgiveness Data,” Federal Student Aid, https://studentaid.gov/data-center/student/loan-forgiveness /pslf-data.
11. Stacy Cowley, “Student Loan Forgiveness Program Approal Letters May Be Invalid, Education Dept. Says,” The New York Times, March 30, 2017, https://www.nytimes.com/2017/03/30/business /student-loan-forgiveness-program-lawsuit.html?action=click&module=RelatedCoverage&pgtype=Article®ion=Footer.
12. “For Corinthian Students Who Believe They Were Victims of Fraud or Other Violations of State Law,” Federal Student Aid, https://studentaid.gov/announcements-events/corinthian#fraud -violations-state-law.
13. “If you’re totally and permanently disabled . . . ,” Federal Student Aid, https://studentaid.gov/manage-loans/forgiveness-cancellation /disability-discharge.
14. “If your school closes while you’re enrolled or soon after you withdraw . . . ,” Federal Student Aid, https://studentaid.gov /manage-loans/forgiveness-cancellation/closed-school.
15. Federal Student Aid, https://studentaid.gov.
16. “Student loan forbearance allows you to temporarily stop making payments,” Federal Student Aid, https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief/forbearance.
17. “Student Loan Delinquency and Default,” Federal Student Aid, https://studentaid.gov/manage-loans/default.
18. “Public Transportation Facts,” American Public Transportation Association, https://www.apta.com/news-publications/public -transportation-facts/.
19. “What is a payday loan?” Consumer Financial Protection Bureau, June 2, 2017, https://www.consumerfinance.gov/ask-cfpb/what-is -a-payday-loan-en-1567/.