11/19/2013 11:17 am ET

Aging Americans Have A New Companion: Higher Debt

Ariel Skelley via Getty Images

I like to joke about the fact that I have a ten-year-old boy at the age when my mother was not only an empty nester, but also an empty nester with a son-in-law. (That would be my husband.)

What I don’t like to contemplate as much? That I will almost certainly have just finished paying for the college education of the same adorable ten-year-old when the law permits me to claim a monthly Social Security check.

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