Many over 50 are still saddled with student loans

[Psephos]

18. You should not be ashamed. Quite the opposite.

Those who should feel shame are the ones responsible for, and benefiting from, the out-of-control and immoral costs of attending college, and this utterly f-ed up way of "paying" for it. Our universities have become abominations of mindless spending, administrative bloat, and salaries/benefits permanently unavailable to most of the people who actually pay for it.

You are a resilient person indeed. White light to you.