HAYLEY SCHAFER chose her dream job at the age of 5. Three years later, her grandmother told her that if she wrote it down, the dream would come true. So she found a piece of blue construction paper and scrawled on it with a pencil: “Veterianian.” “No one told me how to spell it,” she remembers. “They just said, ‘Sound it out.’ ”
At the age of 30, she still has the sign, which is framed on her desk at the Caring Hearts Animal Clinic in Gilbert, Ariz., where she works as a vet. She also has $312,000 in student loans, courtesy of Ross University School of Veterinary Medicine, on the Caribbean island of St. Kitts. Or rather, $312,000 was what she owed the last time she could bring herself to log into the Sallie Mae account that tracks the ever-growing balance.