Excessive student loan debts

1. Identify – clearly state the problem you are trying to solve.
2. Define – thoroughly describe the problem. Why does the problem exist? What are the cause and effects?
   Are there drawbacks to solving this problem?
3. Clarify – who is impacted by the problem? How are they impacted?
4. Solve – offer one solution to satisfy the problem. Include the strengths and weaknesses of this solution as it
   relates to the problem you described.

Sample Solution