TIME

Retirees shoulder a bigger share of student debt

IF THELMA RICHARDS CONTINUES TO PAY $317 a month, every month, for the foreseeable future, she’ll pay off her student loans by the year 2038. The problem is, by then she’ll be 87 years old. “I don’t think I’m going to live that long,” she says, laughing. “I’m not joking!”

Richards, 65, who lives in Little Falls, N.Y., fits the profile of a growing

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