This article highlights an issue that has been slowly simmering over the past 30 years--Student Debt. As government loans quietly edged out grants, and college tuition continued to rise, debt has been piled on students without adequately preparing them to manage it. Research reports about 30% of the 37 million Americans with student loans are behind on payments, with broader implications for the economy. Tough questions are facing students: How many borrowers have to choose between making their student loan payment, or being late on their rent every month? Or how many must make gigantic budgetary sacrifices to stave off student loan delinquency? Student loan can't be erased, but without a major shift in public policy or a dramatic decrease in college costs, debt is how higher education will continue to be financed. What assistance can we provide students: (1) change the way students approach and deal with debt, and (2) teach them to borrow less, borrow smarter, and repay well. Giving students the information and tools they need, when they need it, will help them face it.