Kyle Craig wants to go to graduate school, but just being an undergraduate is already drowning him in debt.

“I’ve got student loans just like everyone else walking around,” says Craig, a senior at Old Dominion University. “I expect my debt to be around $30,000 by the time I’m done here.”

“Yes, I have student loans,” says Kyle Coghill, a junior at Old Dominion. “I’m a 22-year-old studying communications at a university. Of course I have them. I have absolutely no clue how long I’ll be paying them off. I don’t really want to think about that.”

Craig and Coghill are just two of the 40 million people across the United States who have monumental student debt, as reported by CNN. In fact, student loans have increased by 84% since the recession (from 2008 to 2014) and are the only type of consumer debt not decreasing, according to a study from Experian, which analyzed student loan trends from 2008 through 2014.

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