reporter: a nearly perfect system to get as much money as possible from students like craig clavette. he'll be responsible for those loans all his life. craig: i am on anti-depressants right now. i'm completely stuck. yeah. michaela: so, when a 30-year-old comes to that conclusion because of a student loan, surely the people who lent him the money in the first place have a case to answer. what now? that's also the question that went through the mind of richard van as when he lost several fingers in an accident. when he couldn't afford tens of thousands of euros for a prosthetic hand, he became an inventor. today, he brings new hope into the lives of many people. reporter: breakfast with the gallus family in johannesburg. 12-year-old kayla was born without a left hand. she gets through her daily life ok, but sometimes she could use a second hand. kayla: i signed up for woodwork and they used a lot of nails. and i couldn't hammer in nails that time. and i just did the strings and the painting. the nails and everything the teacher had to do while i just sat there. reporter: her father lo