This document provides a summary of and recommendations from the larger report, "Deeper in Debt: Women and Student Loans" (ED580345). Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and the amount of student debt that students assume has increased along with the price of attending college. At this time about 44 million borrowers in the United States hold about $1.3 trillion in outstanding student loans. "Deeper in Debt: Women and Student Loans" is intended to offer a broad overview of how student debt became a women's issue and in doing so change the conversation around student debt to include gender-based analysis and solutions. The analysis examines the experiences of women as a diverse population and presents statistics by race and ethnicity as well as other demographics. The report relies heavily on publicly available federal government survey data as well as published studies undertaken by academics and organizations researching the issue of student debt. Chapter 1 of "Deeper in Debt: Women and Student Loans" examines the changing nature of higher education, focusing on women's gains in educational attainment, changes in how higher education is financed, and the implications of student debt. Understanding the origins of the nation's system of higher education and the student debt upon which it relies is crucial to understanding how that system can be improved. Chapter 2 documents the scale of the student debt problem for society and for individuals, focusing on understanding the impact of gender and the debt accrued by women and men of different race/ethnicity groups. The individual consequences of student debt are explored in chapter 3, which addresses the difficulty experienced by women in repaying student loans, as well as the impact of student debt on subsequent financial decision making. Chapter 4 provides concluding findings and recommendations in the hope of changing the conversation around student debt to formulate solutions that address the struggles faced by women. Public policy recommendations and recommendations for institutions are also included.