luke's, cpmc hospital if need be. they get x-rays and free lab studies at ucsf and san francisco general for specialists and san francisco residents so a community partnership. >> fantastic. thank you. >>> all right. struggling with student loans, a shocking rise in defaults. who is paying the price coming up. ,,,,,,,,,,,, on the consumerwatch, julie watts explains, defaults are up dramatically, and some experts >>> a growing number of college graduates are having trouble paying student loans. julie watts explains defaults are up dramatically and it will only get worse. >> reporter: americans are chipping away at debt but outstanding student debt is up 25% since the start of the financial crisis in 2008. raquel is just starting law school but is already having second thoughts about the 15% loan she took out to pay for it. >> it's insane. >> i was in shock. 15% on a $15,000 loan just to cover her first year. >> reporter: raquel's mother said the family had few option. her daughter's school, empire college school of law