(Yahoo!Finance) Even as total outstanding student debt rises to $1 trillion, lawmakers have yet to allow loans to be discharged in bankruptcy.

Without an escape clause, these loans can strangle a person.

Take 36-year-old Nick Keith, who remains $142,000 in debt eight years after graduating from culinary school. He’s featured in a new film, “Default: The Student Loan Documentary,” in which several college graduates expose the pitfalls of the private student loan industry.

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