A college degree practically stamped Andres Aguirre’s ticket to the middle class. Yet at age 40, he’s still paying the price of admission.

After a decade of repayments, Aguirre still diverts $512 a month to loans and owes $20,000.

The expense requires his family to rent an apartment in Campbell, California, because buying a home in a decent school district would cost too much. His daughter has excelled in high school, but Aguirre has urged her to attend community college to avoid the debt that ensnared him.

“I didn’t get the warmest reception on that,” he said. “But she understands the choice.”

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