I am a college student -- I am also on SSDI -- disability. I am also 63 years old. I will start working from home when I finish college in 2 years at a job that pays me quite well because of my degree -- a much better income than before Disability. And in addition, I will be able to still collect $1,050.00 in Social Security Benefits -- as I will be of retirement age when I graduate. But I will also have student loans to pay back. That's the reason I am in debt. Also, I am an artist Digital Media Artist / Animator / Game Development Major who had to first study 2 years of Graphic Art & Design. A field of study that costs a lot in supplies. I have thousands of dollars worth of Art Supplies and equipment from my classes. I get reimbursed by the government at tax time but only by a fraction of what I actually spent/spend each semester. That is why I'm in debt. In this country, --- being in debt -- it is a necessary part of being a student who wasn't born wealthy.