“I had no idea what I was doing,” Ann told me. “No one in my family did. High school, which had pushed us to go to college so hard, did no real prep whatsoever. I showed up at college, started classes, and was rushed to the ER my first week when I thought I was having a heart attack.” It was a panic attack—the first diagnosis of anxiety issues that have never gone away, especially after she graduated with $56,000 in loans “right before the economy went to shit.” Today, Ann works at a nonprofit in New York, and is trying to throw as much money at her loans as possible. She’s never missed a
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