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HAMMOND, INDIANA --
Purdue University-Calumet student Hector Cabrera, a freshman majoring in Communications, poses for a portrait in a class room on campus on Tuesday, Feb. 16, 2016.

Even with a scholarship, Hector Cabrera had to borrow about $4,000 this year to cover tuition and living costs at Purdue University-Calumet, a small public school in northwest Indiana.

CREDIT: Alyssa Schukar for The Wall Street Journal
Slug: "POORDEBT"

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HAMMOND, INDIANA --<br /> Purdue University-Calumet student Hector Cabrera, a freshman majoring in Communications, poses for a portrait in a class room on campus on Tuesday, Feb. 16, 2016.<br /> <br /> Even with a scholarship, Hector Cabrera had to borrow about $4,000 this year to cover tuition and living costs at Purdue University-Calumet, a small public school in northwest Indiana. <br /> <br /> CREDIT: Alyssa Schukar for The Wall Street Journal<br /> Slug: "POORDEBT"
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