TOLEDO - (WTVG) - Most college students stress over classes and exams and how to pay for it all.
Especially once scholarships and grants are gone.
University of Toledo student Tiffany Shouse says, "Obviously, there's only so much that can be given out before you have to take out loans."
According to the government there is $1.5 Trillion in student loan debt held by 44-million borrowers. And in four years, as many as 40% of borrowers could default on loans.
But Paige Newman says you need a degree. Paige could end up with a $100,000 tuition bill.
The Trump Administration has created a 10-point plan it believes will keep college costs low and help students pay back loans.
One point under the plan is to forgive the balance of an undergraduate loan after you've paid for 15 years.
That sounds good to Paige, who says, "That's nice because it could take me like 20-30 years to pay off my stuff. So if it's gone in 15 years..."
Another idea, eliminate the subsidized loans that do not accrue interest while you're in school.
That could drive up the cost to students by 16%, according to one estimate.
Anthony Bouie, a mechanical engineering student at UT says, that idea one hurts. "Yeah, that's kind of ridiculous honestly," he says.
Another Trump plan would limit the amount you could borrow in order to pressure colleges to keep costs low and not price kids out of class.
But Matt Brangham says colleges won't get the message. "Yeah, I think they'll find other ways to get the money," he says.
These are all debatable ideas and there are others in the president's plan.
Congress will take a look but Democrats hold the house and the overall 10-percent budget cut to the Education Department, along with these student loan measures, may have difficulty passing.
But with $1.5 Trillion dollars in debt and a predicted high delinquency rate, tackling the student loan crisis may require tough decisions.