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Sherita Brown’s parents both earned college and technical school degrees. Still, they could not afford to pay for her college education when the time came. So taking out student loans was inevitable for Brown, 40, who dreamt of becoming an optometrist.

“I figured with the income I would make once I graduated that it would make up for the loans that I took out,” she said.

Brown worked her way through college and paid some of her expenses out of pocket, alongside her loans. After graduating from the Pennsylvania College of Optometry in 2010, she has paid her balance down to $130,000, from $200,000. At one point, Brown’s student loans, both private and federal, went into forbearance, which prevented her from investing and even purchasing a home.

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