
Taking on debt has become a central part of the college experience for many students. (Photographs by Ruth Fremson/The New York Times and Ty William Wright for The New York Times)
Kelsey Griffith graduates on Sunday from Ohio Northern University. To start paying off her $120,000 in student debt, she is already working two restaurant jobs and will soon give up her apartment here to live with her parents. Her mother, who co-signed on the loans, is taking out a life insurance policy on her daughter.
Continue reading U. S. Students Are Graduating Into Debt.





















