Photo by: Jacquelyn Martin

** FILE ** In this Oct. 6, 2011, file photo, Gan Golan, of Los Angeles, dressed as the "Master of Degrees," holds a ball and chain representing his college loan debt, during Occupy D.C. activities in Washington. With college enrollment growing, student debt has stretched to a record number of U.S. households — nearly 1 in 5 — with the biggest burdens falling on the young and poor, according to a study based on the Survey of Consumer Finances released Wednesday, Sept. 26, 2012. (AP Photo/Jacquelyn Martin, File)