If Jessica Rappa could do it over, she would make different choices.

An administrative assistant for Lackawanna City School District, Rappa, 35, estimates that she carries $68,000 in debt, mostly in education loans she acquired while attending three area colleges over several years. She graduated from Trocaire College and worked in the medical field for a few years before deciding that X-rays and ultrasounds werenít for her.

Rappa said her debt is so steep that she canít afford to buy a house.Ö