Surprisingly — or not so surprising — 40- to 49-year-olds have the most delinquent student loan debt.

A new survey reveals that families are increasingly eliminating certain colleges based on cost, and students are taking on more of the burden themselves as parents' share declines.

The federal government will streamline the process that borrowers use to get their payments capped at just 15 percent of their salaries.

At $1 trillion nationally, student debt surpasses credit card debt and car loans, and it can be a serious drag on the economy.