Dr. Nick Hillman, school of education professor and director of the Student Success Through Applied Research Lab (SSTAR) at the University of Wisconsin-Madison, told Newsweek: “Leaving college with debt but no degree is one of the biggest factors that makes it hard to repay loans. Say a student borrows $10,000 for college but then has to leave before earning a credential. They don’t have the degree to show for it, but they have the debt. This can make it really hard to get established in the labor market and, as a result, to stay on top of monthly loan payments.”