It’s often said that gaining a four-year education is the way to properly enter adulthood. However, so many college graduates are experiencing even more difficulties than non college-grads because they are in a deep hole of student loan debt. It is problematic for thousands of young folks trying to make it these days, especially with the recent decline in the economy. The real problem with college loans being so difficult to repay quickly is that it makes it much harder for recent college grads to properly invest their money. Buying a home is something many young people want to do, and feel that they have earned after studying for four years and doing the work it takes to graduate—sadly, most will not have that opportunity unless federal law changes loan interest rates.