“The government requires colleges and universities to counsel students on student loan debt, but clearly the message isn’t always getting through. In a 2012 report by NERA Economic Consulting and Young Invincibles, a youth advocacy group, 13,000 college students who carried $75,000 or more in student loans — placing them in the top 5% of student debtors in the U.S. — were asked whether they remembered receiving counseling.  More than 40% said no.” Read more at Yahoo! Finance by clicking here.