<p>The guy in the article seems like kind of a strange case. He had over $16K in credit card debt in addition to the student loan debt. He probably borrowed more than necessary for OSU, even for an out-of-state student, and it seems like the only plan he ever had was to be a public defender. Also, the timelines don’t work; he graduated college in '04, then worked as a stockbroker for more than five years before attending law school, but he graduated from law school in '08? And why would an '08 grad not apply to take the bar until November of '09? I don’t know how bar admission works in Ohio, but that strikes me as really odd.</p>