Via Kiplinger
By Randy Lupi
About 10 years ago I met with a client — she was a teacher and a single mom hoping to put her kids through college. At 56, she was almost past the average retirement age for teachers in her state, yet it was clear she wasn’t going to be retiring anytime soon — not only because of the tuition bills she’d soon have to pay, but because she still had $180,000 in student loan debt of her own to manage, after paying for her bachelor’s degree, master’s degree and administrative certifications she needed to advance her teaching career.