maryland teacher beth hansen, who also works three part time jobs to make ends meet, owes more than $60,000n total income of about $45,000. >> as a member of society, i have certain rules and obligations. when you enter into a contract, you have to fulfill that contract. >> reporter: with a bachelors and law degrees, jack cazir is a $100,000 in the hole. >> i did take the money knowingly. like i knew it was a loan and... >> reporter: recent brandeis grad benjamin beutel, who did everything he could to avoid debt, says he would resent loan forgiveness. >> i am graduating in three years. one of those years, i went to a state school. suddenly i'll wish that i have had debt because it would have saved my family and myself a lot of trouble. >> reporter: even robert applebaum is committed to paying his loans back. he graduated from fordham law school in 1998 with a $65,000 debt that grew-- unpaid interest added to principal-- to $88,000 when he deferred payments to work a low-paying public service job. >> ever since i left the d.a.s. office in 2004, i've been in repayment, i have not missed a sin