COSTS OF THE HIGHER EDUCATION BUBBLE: “I’m Afraid To Date Because I’m $190,000 In Debt.” “I’m at a point in my life where I’d like to find a great woman and think about settling down and perhaps start a family in the not too distant future. Unfortunately, I have a terrible secret that is making it difficult for me to get close to women: I have $190,000 in student loan debt (no, I am not a doctor).”