College costs have continued to climb through the years, and along with them, so too have student debt levels. Things have gotten so bad, in fact, that the typical Class of 2016 graduate came away over $37,000 in debt. Collectively, Americans owe more than $1.4 trillion in student loans, and over 44 million people are walking around saddled with them. But while you’d think more folks would be eager to shed that burden, an overwhelming majority of borrowers are choosing to focus their attention elsewhere.