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Layla is in no rush to finish up her doctoral degree in educational leadership.

Graduating means she would have to start paying an estimated $1,500 to $2,000 per month in student loans, the 35-year-old, who asked to go by a pseudonym for privacy reasons, told Business Insider. They’re currently in deferment, meaning monthly payments aren’t required, but she’s still shelling out $250 a month to try and stay ahead of her balance.

“Knowing that I will soon have a payment due larger than many mortgage payments can be daunting to think about,” she said.

She’s racked up several details ⇒

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