Kentuckians collectively owe more than $20 million in student loan debt, and a new informal survey sheds light on how hefty student-loan payments affect the lives of borrowers in the Commonwealth.

Research from the Kentucky Center for Economic Policy found nearly one in five residents owe student debt, including 20,000 people at or near retirement age.

Ashley Spalding, research director at the Center, said the situation is preventing many individuals from purchasing a home, starting a business, or accessing health care.

"Wages aren't going up that much, and the cost of college is skyrocketing, and interest rates have been high on these loans," Spalding explained.

The U.S. Department of Education estimates within the past year it has canceled more than $17 billion in debt for more than 700,000 borrowers. The Biden administration's pause on student-loan repayment is set to expire August 31. Experts said it remains unclear whether the pause will be extended into the fall.

Celine Mutuyemaria, a Louisville resident, said she currently has more than $100,000 in student loan debt, and said her financial situation is affecting her mental health.

"It affects me in a number of ways," Mutuyemaria pointed out. "I actually have a lot of anxiety about if and when student loan repayments are going to restart."

She added her student loans negatively affect her credit score, which is a barrier to her dream of owning a home.

"I think that homeownership feels really out of sight for me right now because of the burden of my student loans," Mutuyemaria lamented.

The White House also recently announced it would cancel the student loans of all former Corinthian Colleges students, after investigations revealed the for-profit colleges defrauded students, the most significant loan discharge by the federal government to date.

An elementary school educator from Pennsylvania has been named this year's Education Support Professional of the Year, one of the highest honors in the field.

Becky Marszalek, a paraprofessional at Avonworth Elementary School in Pittsburgh, received the Pennsylvania State Education Association's Dolores McCracken Education Support Award. For 18 years, Marszalek said she has dedicated herself to assisting teachers and students in the classroom, providing the support needed for everyone to succeed.

"I've worked with kids that have been in a wheelchair. I have kids that have had autism," Marszalek pointed out. "It's a matter of if they need help with their work, whether they need help maneuvering through the school sometimes, sometimes just a comfort person to go to and be, like, 'I need a break. I'm having a tough time.'"

Marszalek recently attended the association's annual meeting in Philadelphia, where she addressed more than 500 members and was presented with the state award. The achievement now qualifies her to compete at the national level. In March, she will join other state winners in Louisville, Kentucky, vying for the National Education Support Professional of the Year award.

Chris Lilienthal, assistant director of communications for the association, said it has given the award for more than 20 years and it was recently renamed in honor of McCracken, the first association member who was an education support professional.

"She was herself a paraprofessional in Bucks County and she rose in the ranks to become the first president of PSEA," Lilienthal explained. "When she passed away, unfortunately, in 2018 we renamed the award in her honor, to recognize and remember her amazing work."

With the teacher shortage in Pennsylvania and across the country, Marszalek emphasized being an education support professional is an important field and encourages others to consider a career in education. As she said, "It's all about the kids."

"It's a tough job," Marszalek acknowledged. "But my thing is, you want to be there for the kids and to help the kids and just see them thrive, see them learn, and be willing to help them and have that in your heart to be able to do that."

Marszalek recalled many rewarding experiences, but two stood out. One was a nonverbal kindergartner who began speaking after years of working with the child and melted her heart by calling her "Miss M." Another was a second-grader with behavioral challenges whom she mentored, building a strong rapport, which led to significant improvement and a request to continue mentoring him in fourth grade.

Members of the teacher's union, the Texas branch of the American Federation of Teachers, are celebrating the signing of the Social Security Fairness Act.

President Joe Biden recently signed the legislation into law. It boosts retirement benefits for some school district employees and other public servants nationwide.

Zeph Capo, president of Texas AFT, said Texas is one of 15 states that denied public servants Social Security benefits, because of money paid into pension plans.

"We had people actually leave education and go back into other industries when they found out this was the case," said Capo, "so that they made sure that they didn't incur these penalties. So, we were actually losing good, qualified people."

He added that teaching is a second career for about 40% of teachers in the state, and they shouldn't be penalized for changing careers.

Capo said he believes the legislation will help school districts recruit more teachers and assist in easing the teacher shortage.

"They're bringing their experience from the workforce," said Capo, "they're bringing their experience from other places - whether they were scientists in different industries or worked in the healthcare system, and are now coming in to teach math and science and workforce classes in our public schools."

He said educators aren't the only ones benefiting from the change.

"They may have made $20,000 or $30,000 their entire career," said Capo. "Cooking lunches, cleaning our classrooms, driving our buses, and they're going to get on average about a $360-a-month increase -- which, for many of them, is the difference between buying groceries and buying medication."

Connecticut educators and other public sector workers are celebrating passage of the Social Security Fairness Act.

The new federal law repealed two provisions which had reduced Social Security benefits for some public sector workers who also receive a pension and who will now be eligible for benefits they would have earned in 2024.

Kate Dias, president of the Connecticut Education Association, said passing this law rights a 40-year-old wrong.

"The government chose, erroneously, to penalize public service employees to try and balance Social Security, and it was never a just cause," Dias asserted. "It's great to see this overturned; money returned to people who have rightfully earned it."

Supporters of the change said the biggest challenge to passing the law was many people were unaware of these limits for public employees. Some critics charged it could speed up the timelinefor Social Security's insolvency.

Dias feels there's more work to do, including higher teacher salaries to reflect the education required to do the work. Reports show most Connecticut salaries do not keep up with the cost of living.

Feedback on the law has been overwhelmingly positive. Dias noted the money being reimbursed to public sector workers will enable some to retire who otherwise could not, without losing certain benefits.

"We have teachers that are in their 70s that haven't been able to retire," Dias observed. "This is going to enable them to do that. We've gotten the stories from people who called us and said, 'I've been living moment to moment, paycheck to paycheck, and been collecting food stamps, and now I'm not going to have to do that. I'm not going to be a burden to my family.'"

The new law may also help Connecticut recruit second-career teachers, people with previous careers as accountants, engineers and in other in-demand fields. Since the state is in the third year of a teacher shortage, Dias added it could help close widening gaps.

"In terms of retention, those second-career educators we have brought into the profession often have to leave before they are vested in the pension so they don't get penalized," Dias pointed out. "That's a problem as well, because they're only with our profession for a short period of time, as opposed to being able to have a long career."