Philip Caltabiano listens to the instructor in a UCLA physics class. He studied marine biology and conservation biology and hopes to get a field research position after graduating next month. He has also applied to be a teaching assistant at UCLA.  He has $14,500 left in student debt; he has already paid back $7,000.

( Gary Friedman / Los Angeles Times / May 19, 2012 )

Philip Caltabiano listens to the instructor in a UCLA physics class. He studied marine biology and conservation biology and hopes to get a field research position after graduating next month. He has also applied to be a teaching assistant at UCLA. He has $14,500 left in student debt; he has already paid back $7,000.

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