For public school teacher Kaitlyn McCollum, even simple acts like washing dishes or taking a shower can fill her with dread.
"It will just hit me like a ton of bricks," McCollum says. " 'Oh my God, I owe all of that money.' And it's, like, a knee-buckling moment of panic all over again."
She and her family recently moved to a much smaller, older house. One big reason for the downsizing: a $24,000 loan that McCollum has been unfairly saddled with because of a paperwork debacle at the U.S. Department of Education.