Tinsley Crisp knows what it feels like to be overwhelmed by debt. At 31, the stylist and writer is now proudly debt-free -- but just a few years ago, she and her husband, Ben, were staring down a mountain of $200,000 in student loan debt.

As the Trump administration resumes collections on defaulted student loans, hundreds of thousands of older Americans with decades-old debts are now at risk of having their Social Security checks garni