The unfortunate honor of hitting one million dollars in debt is unique. It is normally difficult for an individual to amass such a burden of debt to repay in their lifetime. Banks simply will not loan you that much money. The increasing costs of higher education are pushing many young professionals to these debt levels and beyond as they finish their education. With newly minted diplomas in hand costing hundreds of thousands of dollars, they proceed to purchase their first homes costing hundreds of thousands more. This scenario results in a young, highly-educated professional in their early 30’s thinking “I did everything they told me to, why are things so bad!” Financially they are now worse off than if they were starting at zero. The situation is magnified when they marry another young professional who has made the same choices.