When Dana Pollard's client was downsized from the global manufacturing company where she worked as project manager, she was quick to plot her next move: she went back to school.

Six years later, at age 58, she's working in the homeopathic field making no more than what she was earning before her hiatus from the workforce. Only now she's saddled with $40,000 in student loans that she didn't have previously.

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