Nansi Lynch, a 60-year-old school bus driver, borrowed $156,000 in federal parent PLUS loans to help her two children attend college but now faces retirement with unmanageable debt and monthly payments of $238. She cannot afford to retire as planned due to her loan obligations, and the Trump administration's new $65,000 borrowing cap may not address the underlying issue of high interest rates and debt-to-income ratios affecting lower-income parents.