WEBVTT

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>> Reporter: NANCY KUKAY WORKS

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AT A COMMUNITY COLLEGE IN

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MARYLAND, COORDINATING TECHNICAL

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EDUCATION PROGRAMS.

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SHE'’’S WORKED IN EDUCATION MOST

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OF HER CAREER AND LOVES HER JOB.

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BUT AT 65 YEARS OLD, SHE HAD

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IMAGINED RETIRING BY NOW.

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>> I CAN'’’T AFFORD TO RETIRE.

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I COULD NEVER MAKE THE PAYMENTS.

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>> Reporter: PAYMENTS FOR

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STUDENT LOANS SHE TOOK OUT FOR

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HER SON ANDREW ABOUT A DECADE

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AGO.

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SHE PAYS AROUND $500 A MONTH ON

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THE NEARLY $75,000 SHE OWES ON

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LOANS SHE TOOK OUT, AND OTHERS

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SHE CO-SIGNED WITH HER SON.

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BY HER MATH, SHE'’’LL PROBABLY BE

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PAYING ON HER LOANS ALONE FOR

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ANOTHER 11 YEARS.

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>> EVEN IF I STARTED DRAWING ON

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MY RETIREMENT AND SOCIAL

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SECURITY TOGETHER, I STILL

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WOULDN'’’T HAVE ENOUGH MONTHLY TO

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MAKE THOSE PAYMENTS.

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IT'’’S CERTAINLY NOT WHERE I HOPED

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TO BE AT THIS STAGE IN LIFE.

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>> Reporter: THE NUMBER OF

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AMERICANS AGE 60 AND OLDER WITH

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STUDENT LOAN DEBT QUADRUPLED

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BETWEEN 2005 AND 2015 TO NEARLY

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THREE MILLION.

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AND THE AVERAGE AMOUNT THEY OWE

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HAS NEARLY DOUBLED, FROM ABOUT

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$12,000 TO ALMOST $24,000.

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>> THERE'’’S A NUMBER OF FACTORS

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THAT CONTRIBUTE TO WHY THE

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NUMBER OF OLDER BORROWERS IS

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INCREASING.

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>> Reporter: ATTORNEY PERSIS YU

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DIRECTS THE STUDENT LOAN

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BORROWER ASSISTANCE PROJECT AT

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THE NATIONAL CONSUMER LAW CENTER

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IN BOSTON.

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>> STUDENT LOANS ARE STRUCTURED

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TO BE PAID OVER A VERY LONG

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PERIOD OF TIME.

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THEY HAVE NO STATUTE OF

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LIMITATIONS, WHICH MEANS THAT

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THEY FOLLOW YOU.

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THEY CAN FOLLOW YOU TILL YOU

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DIE, LITERALLY.

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AND SO, THERE ARE A LOT OF

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BORROWERS WHO ARE OUT THERE WHO

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STILL HAVE THEIR OWN STUDENT

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LOAN DEBTS FROM THE '’’70s, FROM

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THE '’’80s.

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>> I THINK, ORIGINALLY, IT WAS,

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LIKE, $27,000.

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>> Reporter: 64-YEAR-OLD ANNETTE

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PELAEZ OF BOSTON IS STILL PAYING

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ABOUT $300 A MONTH FOR THE LOAN

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SHE TOOK OUT 20 YEARS AGO TO

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PURSUE GRADUATE DEGREES IN

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AMERICAN STUDIES, A LOAN SHE

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EXPECTS TO BE PAYING FOR ANOTHER

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TEN YEARS.

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SHE WORKED FOR NONPROFITS

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SERVING CHILDREN AND THE

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ELDERLY, BUT HER INCOME NEVER

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REACHED THE LEVEL SHE HAD HOPED.

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>> I'’’M MAKING NOW WHAT I MADE IN

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THE '’’80s.

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I'’’M MAKING ABOUT $42,000 A YEAR.

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>> Reporter: SO, WHEN YOU WENT

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BACK TO GRAD SCHOOL, YOU ASSUMED

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YOU'’’D BE MAKING A LOT MORE MONEY

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THAN THAT?

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>> OH, YES.

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ABSOLUTELY.

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I MEAN, IF I WAS MAKING THAT

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MONEY WITH A BACHELOR'’’S DEGREE

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IN THE '’’80s, I ASSUMED THAT, YOU

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KNOW, WITH A MASTER'’’S, I'’’D DO A

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LITTLE BIT BETTER.

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>> FOLKS WITH STUDENT LOAN DEBT

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TYPICALLY SAVE LESS THAN FOLKS

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WITHOUT STUDENT LOAN DEBT.

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AND THEN, ONCE THEY'’’RE IN

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RETIREMENT, IF THEY ARE REPAYING

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LOANS, CERTAINLY THAT IS A

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LIABILITY THAT THEY WOULDN'’’T

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OTHERWISE HAVE TO PAY FOR WHEN

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THEY'’’RE ON A FIXED AND LIMITED

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INCOME.

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>> Reporter: BECAUSE OF HER DEBT

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AND THE HIGH COST OF LIVING IN

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BOSTON, PELAEZ SAYS SHE HAS

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LITTLE RETIREMENT SAVINGS.

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SHE RECENTLY RETIRED BUT CAN'’’T

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AFFORD TO KEEP LIVING IN BOSTON,

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SO SHE MOVED TO NEW MEXICO,

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WHERE IT'’’S CHEAPER TO LIVE.

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BUT EVEN STILL, HER EXPECTED

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$1,000 A MONTH SOCIAL SECURITY

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CHECK WON'’’T COVER HER EXPENSES.

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>> RENT WILL BE $620 PLUS

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UTILITIES, AND THEN THERE IS THE

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SCHOOL LOAN, AND THERE GOES THE

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$1,000.

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SO, I WILL BE DOING SOME PART-

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TIME WORK.

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>> Reporter: HOW DO YOU FEEL

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ABOUT THAT?

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I MEAN, IS THIS WHAT YOU

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PICTURED RETIREMENT BEING?

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>> WELL, YOU KNOW, AT THIS

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POINT, I'’’M NOT SO TERRIBLY

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CONCERNED BECAUSE I'’’M STILL

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YOUNG ENOUGH TO DO SO.

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WHAT CONCERNS ME IS WHEN I'M IN

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MY 70s OR 80s-- HOPEFULLY, IF I

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IF I GET THERE-- I MAY NOT BE

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ABLE TO DO THAT.

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>> Reporter: LIKE PELAEZ, 27% OF

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OLDER AMERICANS WITH STUDENT

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LOANS BORROWED FOR THEIR OWN

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EDUCATION.

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BUT MOST, MORE THAN 70%,

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BORROWED FOR THEIR CHILDREN'’’S OR

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GRANDCHILDREN'’’S EDUCATION.

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PEOPLE LIKE NANCY KUKAY.

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KUKAY, WHO'’’S DIVORCED, TOOK OUT

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ABOUT $46,000 IN HER NAME AND

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CO-SIGNED FOR AROUND $34,000

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MORE WITH HER SON, ANDREW, WHO

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GRADUATED FROM THE UNIVERSITY OF

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SOUTH CAROLINA IN 2008.

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>> I ENTERED INTO THAT, NOW AS

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I, IN HINDSIGHT, WITHOUT NEARLY

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ENOUGH INFORMATION.

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AND DIDN'’’T KNOW WHAT I DIDN'’’T

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KNOW ABOUT FINANCIAL AID.

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IT'’’S VASTLY DIFFERENT FROM WHEN

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I WENT TO SCHOOL.

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I DIDN'’’T HAVE TO BORROW TO GO TO

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SCHOOL.

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>> Reporter: KUKAY OBTAINED

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ABOUT HALF OF THE $46,000 SHE

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BORROWED FOR HER SON'’’S EDUCATION

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THROUGH A FEDERAL LOAN PROGRAM

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CALLED "PARENT PLUS."

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THE NUMBER OF PARENT PLUS

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BORROWERS HAS GROWN BY 60% SINCE

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2005 TO 3.5 MILLION AMERICANS.

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THE NATIONAL CONSUMER LAW CENTER

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SAYS SOME FAMILIES CAN BORROW

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MORE THAN THEY CAN AFFORD UNDER

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PARENT PLUS BECAUSE THE PROGRAM

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LETS THEM BORROW AS MUCH AS THE

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COLLEGE SAYS THEY NEED WITHOUT

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VERIFYING THEIR INCOME.

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>> AT NO POINT IS THE SCHOOL OR

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THE FEDERAL GOVERNMENT SEEING IF

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THE FAMILY CAN AFFORD TO REPAY

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THIS LOAN.

04:37.477 --> 04:38.278 align:left position:10%,start line:89% size:80%
>> Reporter: IS ANYONE ALONG THE

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WAY SAYING, "HEY, IF YOU TAKE

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OUT THIS AMOUNT OF MONEY, THIS

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IS WHAT IT'’’S GOING TO MEAN FOR

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YOU"?

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IS ANYBODY KIND OF GIVING A

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WARNING TO FAMILIES?

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>> SO, YOU KNOW, THERE IS SOME

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VERY MINIMAL COUNSELING THAT IS

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REQUIRED WHEN FOLKS TAKE OUT

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FEDERAL LOANS.

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THE OTHER COMPONENT IS, A LOT OF

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THESE FAMILIES DON'’’T HAVE A LOT

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OF OTHER OPTIONS BECAUSE

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EDUCATION IS EXPENSIVE.

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SO, A LOT OF FAMILIES FEEL

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TRAPPED, AND THEY FEEL LIKE THEY

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HAVE TO TAKE OUT THIS, BECAUSE

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THEY WANT TO PROVIDE FOR THEIR

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KIDS AND THEY WANT THEIR KIDS

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TO HAVE A BETTER FUTURE.

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>> Reporter: AND THAT'’’S EXACTLY

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WHAT NANCY KUKAY WANTED FOR HER

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SON.

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SHE SAYS SHE WASN'’’T TOO WORRIED

05:12.612 --> 05:14.113 align:left position:10%,start line:89% size:80%
ABOUT ANDREW'S ABILITY TO PAY

05:14.113 --> 05:16.182 align:left position:10%,start line:89% size:80%
OFF HIS LOANS ONCE HE GRADUATED.

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>> I KEPT TELLING HIM, AND I

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THOUGHT THIS WOULD BE TRUE, IS,

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"THIS DEGREE WILL GIVE YOU A

05:23.156 --> 05:24.724 align:left position:10%,start line:89% size:80%
CAREER THAT YOU CAN PAY THAT

05:24.724 --> 05:25.692 align:left position:10%,start line:89% size:80%
OFF."

05:25.692 --> 05:28.194 align:left position:10%,start line:89% size:80%
TURNS OUT NOT TO BE THE CASE.

05:28.194 --> 05:30.530 align:left position:10%,start line:89% size:80%
HE GRADUATED IN 2008 IN THE

05:30.530 --> 05:33.132 align:left position:10%,start line:89% size:80%
DEPTHS OF THE GREAT RECESSION,

05:33.132 --> 05:34.934 align:left position:10%,start line:89% size:80%
AND JOBS WERE HARD TO COME BY.

05:34.934 --> 05:35.702 align:left position:10%,start line:89% size:80%
>> Reporter: AFTER GRADUATING

05:35.702 --> 05:36.836 align:left position:10%,start line:89% size:80%
WITH A DEGREE IN SPORTS

05:36.836 --> 05:38.504 align:left position:10%,start line:89% size:80%
MANAGEMENT, ANDREW HAS WORKED

05:38.504 --> 05:40.473 align:left position:10%,start line:89% size:80%
STEADILY, EVEN TAKING ON SECOND

05:40.473 --> 05:41.741 align:left position:10%,start line:89% size:80%
JOBS AT NIGHT AND ON THE

05:41.741 --> 05:42.608 align:left position:10%,start line:89% size:80%
WEEKENDS.

05:42.608 --> 05:43.976 align:left position:10%,start line:89% size:80%
BUT HIS EARNINGS HAVEN'’’T BEEN

05:43.976 --> 05:45.778 align:left position:10%,start line:89% size:80%
ENOUGH TO KEEP UP WITH THE $400

05:45.778 --> 05:47.747 align:left position:10%,start line:89% size:80%
AND $500 PAYMENTS ON THE ROUGHLY

05:47.747 --> 05:50.483 align:left position:10%,start line:89% size:80%
$45,000 HE TOOK OUT, SO NANCY'’’S

05:50.483 --> 05:51.951 align:left position:10%,start line:89% size:80%
BEEN PAYING THE LOANS SHE CO-

05:51.951 --> 05:52.685 align:left position:10%,start line:89% size:80%
SIGNED.

05:52.685 --> 05:54.320 align:left position:10%,start line:89% size:80%
I SPOKE TO ANDREW OVER GOOGLE

05:54.320 --> 05:55.254 align:left position:10%,start line:89% size:80%
HANGOUT.

05:55.254 --> 05:56.255 align:left position:10%,start line:89% size:80%
>> I DID NOT THINK THAT YOU

05:56.255 --> 05:57.323 align:left position:10%,start line:89% size:80%
WOULD BE THIS HARD TO PAY

05:57.323 --> 05:58.858 align:left position:10%,start line:89% size:80%
STUDENT LOANS.

05:58.858 --> 06:00.827 align:left position:10%,start line:89% size:80%
I DEFINITELY WENT IN TO SCHOOL

06:00.827 --> 06:02.495 align:left position:10%,start line:89% size:80%
THINKING THAT I'’’LL GET A DECENT-

06:02.495 --> 06:03.463 align:left position:10%,start line:89% size:80%
PAYING JOB.

06:03.463 --> 06:04.197 align:left position:10%,start line:89% size:80%
>> Reporter: ANDREW RECENTLY

06:04.197 --> 06:06.265 align:left position:10%,start line:89% size:80%
LANDED A HIGHER-PAYING JOB AND

06:06.265 --> 06:07.600 align:left position:10%,start line:89% size:80%
WANTS TO HELP PAY THE LOANS HIS

06:07.600 --> 06:08.868 align:left position:10%,start line:89% size:80%
MOM CO-SIGNED.

06:08.868 --> 06:09.936 align:left position:10%,start line:89% size:80%
>> I DON'’’T WANT HER TO BE

06:09.936 --> 06:11.704 align:left position:10%,start line:89% size:80%
SUFFERING FOR IT ANY LONGER THAN

06:11.704 --> 06:14.340 align:left position:10%,start line:89% size:80%
SHE HAS TO, JUST FOR DOING THE

06:14.340 --> 06:16.976 align:left position:10%,start line:89% size:80%
NICE THING AND CO-SIGNING ON A

06:16.976 --> 06:17.477 align:left position:10%,start line:89% size:80%
LOAN.

06:17.477 --> 06:19.445 align:left position:10%,start line:89% size:80%
WOULD I DO IT ALL OVER AGAIN?

06:19.445 --> 06:21.214 align:left position:10%,start line:89% size:80%
NO.

06:21.214 --> 06:22.448 align:left position:10%,start line:89% size:80%
I WOULD NOT DO IT AGAIN.

06:22.448 --> 06:24.083 align:left position:10%,start line:89% size:80%
I WOULD STICK AROUND AND STAY

06:24.083 --> 06:27.820 align:left position:10%,start line:89% size:80%
HOME FOR A COUPLE OF YEARS AND

06:27.820 --> 06:30.223 align:left position:10%,start line:89% size:80%
GO TO A COMMUNITY COLLEGE NEAR

06:30.223 --> 06:31.257 align:left position:10%,start line:89% size:80%
MY HOUSE.

06:31.257 --> 06:32.024 align:left position:10%,start line:89% size:80%
>> Reporter: IN THE MEANTIME,

06:32.024 --> 06:33.459 align:left position:10%,start line:89% size:80%
NANCY SAYS THE LOAN PAYMENTS

06:33.459 --> 06:35.027 align:left position:10%,start line:89% size:80%
ARE WEIGHING HER DOWN.

06:35.027 --> 06:37.263 align:left position:10%,start line:89% size:80%
>> IT GOVERNS EVERYTHING I DO,

06:37.263 --> 06:39.332 align:left position:10%,start line:89% size:80%
EVERY DECISION I MAKE.

06:39.332 --> 06:42.602 align:left position:10%,start line:89% size:80%
IT ALL REVOLVES AROUND MAKING

06:42.602 --> 06:44.570 align:left position:10%,start line:89% size:80%
SURE THAT I HAVE THAT MONEY TO

06:44.570 --> 06:46.172 align:left position:10%,start line:89% size:80%
MAKE THAT PAYMENT, EVERY SINGLE

06:46.172 --> 06:47.039 align:left position:10%,start line:89% size:80%
MONTH.

06:47.039 --> 06:47.607 align:left position:10%,start line:89% size:80%
>> Reporter: NANCY HAS

06:47.607 --> 07:13.566 align:left position:10%,start line:89% size:80%
CONSOLIDATED AND GOTTEN SLIGHTLY

07:13.566 --> 06:50.710 align:left position:10%,start line:89% size:80%
LOWER INTEREST RATES ON SOME OF

06:50.710 --> 06:52.278 align:left position:10%,start line:89% size:80%
THE LOANS, BUT SHE EXPECTS

06:52.278 --> 06:53.846 align:left position:10%,start line:89% size:80%
SHE'LL NEED TO WORK PART-TIME

06:53.846 --> 06:55.415 align:left position:10%,start line:89% size:80%
AFTER SHE RETIRES.

06:55.415 --> 06:56.482 align:left position:10%,start line:89% size:80%
AND SHE'’’S ALSO CONSIDERING

06:56.482 --> 06:57.984 align:left position:10%,start line:89% size:80%
MOVING TO MONTANA, WHERE THE

06:57.984 --> 06:59.619 align:left position:10%,start line:89% size:80%
COST OF LIVING IS CHEAPER.

06:59.619 --> 07:00.686 align:left position:10%,start line:89% size:80%
>> MY LIFE ISN'’’T GOING TO BE THE

07:00.686 --> 07:01.954 align:left position:10%,start line:89% size:80%
WAY THAT I'’’D HOPED THAT IT WOULD

07:01.954 --> 07:03.689 align:left position:10%,start line:89% size:80%
BE.

07:03.689 --> 07:05.124 align:left position:10%,start line:89% size:80%
IT JUST SIMPLY ISN'’’T GOING TO

07:05.124 --> 07:05.825 align:left position:10%,start line:89% size:80%
BE.

07:05.825 --> 07:06.626 align:left position:10%,start line:89% size:80%
>> Reporter: THERE'’’S ALSO THIS

07:06.626 --> 07:08.628 align:left position:10%,start line:89% size:80%
CATCH WITH FEDERAL LOANS AND

07:08.628 --> 07:10.096 align:left position:10%,start line:89% size:80%
OLDER BORROWERS WHO CAN'’’T PAY

07:10.096 --> 07:11.931 align:left position:10%,start line:89% size:80%
THEM OFF: THE U.S. TREASURY CAN

07:11.931 --> 07:13.366 align:left position:10%,start line:89% size:80%
GARNISH THEIR SOCIAL SECURITY

07:13.366 --> 07:14.367 align:left position:10%,start line:89% size:80%
BENEFITS.

07:14.367 --> 07:17.670 align:left position:10%,start line:89% size:80%
IN FACT, BETWEEN 2002 AND 2015,

07:17.670 --> 07:19.172 align:left position:10%,start line:89% size:80%
THE NUMBER OF AMERICANS HAVING

07:19.172 --> 07:20.840 align:left position:10%,start line:89% size:80%
SOCIAL SECURITY DISABILITY AND

07:20.840 --> 07:22.475 align:left position:10%,start line:89% size:80%
RETIREMENT BENEFITS GARNISHED

07:22.475 --> 07:24.043 align:left position:10%,start line:89% size:80%
BECAUSE OF UNPAID LOANS

07:24.043 --> 07:26.879 align:left position:10%,start line:89% size:80%
INCREASED ALMOST 500%, TO

07:26.879 --> 07:29.182 align:left position:10%,start line:89% size:80%
173,000.

07:29.182 --> 07:30.583 align:left position:10%,start line:89% size:80%
>> WHO DO I GO AND GET THIS

07:30.583 --> 07:31.818 align:left position:10%,start line:89% size:80%
MONEY BACK FROM?

07:31.818 --> 07:32.585 align:left position:10%,start line:89% size:80%
>> Reporter: IT HAPPENED TO

07:32.585 --> 07:34.387 align:left position:10%,start line:89% size:80%
55-YEAR-OLD MANUEL ROBERTS OF

07:34.387 --> 07:35.588 align:left position:10%,start line:89% size:80%
BROOKLYN, NEW YORK.

07:35.588 --> 07:36.989 align:left position:10%,start line:89% size:80%
HE PAID OFF MOST ALL OF THE

07:36.989 --> 07:39.025 align:left position:10%,start line:89% size:80%
$13,000 HE BORROWED TO ATTEND

07:39.025 --> 07:40.026 align:left position:10%,start line:89% size:80%
THE UNIVERSITY OF SOUTHERN

07:40.026 --> 07:41.994 align:left position:10%,start line:89% size:80%
CALIFORNIA IN THE 1980s.

07:41.994 --> 07:43.696 align:left position:10%,start line:89% size:80%
BUT AFTER LOSING A JOB, HE

07:43.696 --> 07:46.299 align:left position:10%,start line:89% size:80%
DEFAULTED ON THE LAST $3,000

07:46.299 --> 07:47.900 align:left position:10%,start line:89% size:80%
AND THEN SUSTAINED A SEVERE HEAD

07:47.900 --> 07:49.669 align:left position:10%,start line:89% size:80%
INJURY IN 2002.

07:49.669 --> 07:52.138 align:left position:10%,start line:89% size:80%
>> THEN, I WAS INJURED.

07:52.138 --> 07:52.972 align:left position:10%,start line:89% size:80%
STREET VIOLENCE.

07:52.972 --> 07:54.240 align:left position:10%,start line:89% size:80%
I WAS A VICTIM OF A VIOLENT

07:54.240 --> 07:56.008 align:left position:10%,start line:89% size:80%
CRIME.

07:56.008 --> 07:58.211 align:left position:10%,start line:89% size:80%
I WAS IN A COMA FOR TWO WEEKS OR

07:58.211 --> 07:58.945 align:left position:10%,start line:89% size:80%
SO.

07:58.945 --> 07:59.645 align:left position:10%,start line:89% size:80%
>> Reporter: ROBERTS RECEIVED

07:59.645 --> 08:01.080 align:left position:10%,start line:89% size:80%
SOCIAL SECURITY DISABILITY

08:01.080 --> 08:03.883 align:left position:10%,start line:89% size:80%
CHECKS FOR $1,300 EVERY MONTH.

08:03.883 --> 08:04.917 align:left position:10%,start line:89% size:80%
BUT THE GOVERNMENT BEGAN

08:04.917 --> 08:07.153 align:left position:10%,start line:89% size:80%
DEDUCTING $200 FROM EVERY CHECK

08:07.153 --> 08:08.654 align:left position:10%,start line:89% size:80%
FOR THE DEFAULTED LOAN.

08:08.654 --> 08:09.722 align:left position:10%,start line:89% size:80%
>> I WAS ALREADY IN A BAD

08:09.722 --> 08:11.424 align:left position:10%,start line:89% size:80%
SITUATION.

08:11.424 --> 08:12.391 align:left position:10%,start line:89% size:80%
IT'’’S PLAIN TO SEE THEY JUST MADE

08:12.391 --> 08:13.426 align:left position:10%,start line:89% size:80%
IT WORSE.

08:13.426 --> 08:14.260 align:left position:10%,start line:89% size:80%
>> Reporter: THE SOCIAL SECURITY

08:14.260 --> 08:15.995 align:left position:10%,start line:89% size:80%
DEDUCTIONS PUSHED ROBERTS TO THE

08:15.995 --> 08:17.363 align:left position:10%,start line:89% size:80%
VERGE OF THE FEDERAL POVERTY

08:17.363 --> 08:18.197 align:left position:10%,start line:89% size:80%
LINE.

08:18.197 --> 08:19.699 align:left position:10%,start line:89% size:80%
IT TURNS OUT, THERE'’’S A PROGRAM

08:19.699 --> 08:21.434 align:left position:10%,start line:89% size:80%
FOR PEOPLE DISABLED LIKE ROBERTS

08:21.434 --> 08:23.236 align:left position:10%,start line:89% size:80%
TO GET THEIR LOANS ELIMINATED,

08:23.236 --> 08:24.704 align:left position:10%,start line:89% size:80%
BUT MANY PEOPLE DON'’’T KNOW ABOUT

08:24.704 --> 08:25.505 align:left position:10%,start line:89% size:80%
IT.

08:25.505 --> 08:27.273 align:left position:10%,start line:89% size:80%
SO, NO ONE EVER SAID, "HEY, WE

08:27.273 --> 08:28.474 align:left position:10%,start line:89% size:80%
NOTICE YOU'’’RE GETTING DISABILITY

08:28.474 --> 08:29.375 align:left position:10%,start line:89% size:80%
INCOME.

08:29.375 --> 08:30.877 align:left position:10%,start line:89% size:80%
YOU MIGHT BE ALSO ELIGIBLE FOR A

08:30.877 --> 08:32.178 align:left position:10%,start line:89% size:80%
DISABILITY DISCHARGE.

08:32.178 --> 08:32.979 align:left position:10%,start line:89% size:80%
THIS COULD STOP"?

08:32.979 --> 08:35.414 align:left position:10%,start line:89% size:80%
>> NO, THAT NEVER... THAT WAS

08:35.414 --> 08:36.849 align:left position:10%,start line:89% size:80%
NEVER BROUGHT TO ME BY ANYBODY.

08:36.849 --> 08:37.783 align:left position:10%,start line:89% size:80%
>> Reporter: ROBERTS'’’ ATTORNEY

08:37.783 --> 08:39.151 align:left position:10%,start line:89% size:80%
HELPED HIM GET THE DISABILITY

08:39.151 --> 08:40.786 align:left position:10%,start line:89% size:80%
DISCHARGE AND IS ALSO HELPING

08:40.786 --> 08:42.421 align:left position:10%,start line:89% size:80%
HIM AND SIX PEOPLE WITH SIMILAR

08:42.421 --> 08:44.156 align:left position:10%,start line:89% size:80%
STORIES SUE THE HEADS OF THE

08:44.156 --> 08:45.925 align:left position:10%,start line:89% size:80%
FEDERAL DEPARTMENT OF EDUCATION,

08:45.925 --> 08:47.527 align:left position:10%,start line:89% size:80%
TREASURY AND THE SOCIAL

08:47.527 --> 08:49.028 align:left position:10%,start line:89% size:80%
SECURITY ADMINISTRATION,

08:49.028 --> 08:50.496 align:left position:10%,start line:89% size:80%
ALLEGING THAT THEY DON'’’T DO

08:50.496 --> 08:51.797 align:left position:10%,start line:89% size:80%
ENOUGH TO LET PEOPLE KNOW ABOUT

08:51.797 --> 08:52.932 align:left position:10%,start line:89% size:80%
THE DISABILITY DISCHARGE

08:52.932 --> 08:53.933 align:left position:10%,start line:89% size:80%
PROGRAM.

08:53.933 --> 08:54.834 align:left position:10%,start line:89% size:80%
THE FEDERAL DEPARTMENT OF

08:54.834 --> 08:56.669 align:left position:10%,start line:89% size:80%
EDUCATION DECLINED AN ON-CAMERA

08:56.669 --> 08:58.304 align:left position:10%,start line:89% size:80%
INTERVIEW WITH PBS NEWSHOUR

08:58.304 --> 09:00.039 align:left position:10%,start line:89% size:80%
WEEKEND AND DID NOT RESPOND TO

09:00.039 --> 09:01.407 align:left position:10%,start line:89% size:80%
WRITTEN QUESTIONS.

09:01.407 --> 09:02.241 align:left position:10%,start line:89% size:80%
THE SOCIAL SECURITY

09:02.241 --> 09:03.876 align:left position:10%,start line:89% size:80%
ADMINISTRATION AND THE TREASURY

09:03.876 --> 09:06.078 align:left position:10%,start line:89% size:80%
DEPARTMENT ALSO DID NOT COMMENT.

09:06.078 --> 09:07.847 align:left position:10%,start line:89% size:80%
U.S. SENATORS RON WYDEN OF

09:07.847 --> 09:10.082 align:left position:10%,start line:89% size:80%
OREGON AND SHERROD BROWN OF OHIO

09:10.082 --> 09:11.584 align:left position:10%,start line:89% size:80%
ARE SPONSORING LEGISLATION TO

09:11.584 --> 09:12.852 align:left position:10%,start line:89% size:80%
ELIMINATE THE PRACTICE OF

09:12.852 --> 09:13.986 align:left position:10%,start line:89% size:80%
GARNISHING SOCIAL SECURITY

09:13.986 --> 09:16.122 align:left position:10%,start line:89% size:80%
BENEFITS FOR UNPAID LOANS, BUT

09:16.122 --> 09:18.157 align:left position:10%,start line:89% size:80%
THE BILL'’’S GONE NOWHERE SO FAR.

09:18.157 --> 09:20.059 align:left position:10%,start line:89% size:80%
NANCY KUKAY'’’S SOCIAL SECURITY

09:20.059 --> 09:21.827 align:left position:10%,start line:89% size:80%
CHECKS WON'T BE AT RISK BECAUSE

09:21.827 --> 09:23.162 align:left position:10%,start line:89% size:80%
SHE KEEPS UP WITH HER MONTHLY

09:23.162 --> 09:24.597 align:left position:10%,start line:89% size:80%
STUDENT LOAN PAYMENTS.

09:24.597 --> 09:26.065 align:left position:10%,start line:89% size:80%
FOR OTHER PARENTS TRYING TO

09:26.065 --> 09:27.166 align:left position:10%,start line:89% size:80%
FIGURE OUT HOW TO PAY FOR

09:27.166 --> 09:29.368 align:left position:10%,start line:89% size:80%
COLLEGE NOW, SHE HAS THIS

09:29.368 --> 09:30.369 align:left position:10%,start line:89% size:80%
ADVICE.

09:30.369 --> 09:32.738 align:left position:10%,start line:89% size:80%
>> I WOULD STRONGLY ENCOURAGE

09:32.738 --> 09:36.943 align:left position:10%,start line:89% size:80%
THEM TO BECOME EDUCATED IN EVERY

09:36.943 --> 09:38.678 align:left position:10%,start line:89% size:80%
ASPECT OF FINANCIAL AID.

09:38.678 --> 09:41.013 align:left position:10%,start line:89% size:80%
TALK TO THE COLLEGE FINANCIAL

09:41.013 --> 09:42.648 align:left position:10%,start line:89% size:80%
AID PEOPLE.

09:42.648 --> 09:44.250 align:left position:10%,start line:89% size:80%
I DIDN'’’T DO THAT.

09:44.250 --> 09:46.018 align:left position:10%,start line:89% size:80%
THAT'’’S A HUGE MISTAKE.

09:46.018 --> 09:48.187 align:left position:10%,start line:89% size:80%
I MADE ASSUMPTIONS THAT TURNED

09:48.187 --> 09:54.727 align:left position:10%,start line:89% size:80%
OUT NOT TO BE TRUE.

09:50.323 --> 09:54.760 align:left position:10%,start line:89% size:80%
AND MINE IS A CAUTIONARY TALE.