Jean Provance’s refrigerator is decorated with the usual- magnets from her travels, family photos, and other memorabilia. But it also has a stack of Post-it notes stuck to it. The note at the top of the stack is labeled “70” and each subsequent note counts down to “0”. This, Jean explains, is her “student loan countdown”. Each month, she celebrates making her payment by peeling off the top note, revealing the next. Right now, her loan repayment will take 17 years less than it would have with her previous lender. Jean had a friendly, warm voice when she kindly shared her …

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Jean Provance’s refrigerator is decorated with the usual- magnets from her travels, family photos, and other memorabilia. But it also has a stack of Post-it notes stuck to it. The note at the top of the stack is labeled “70” and each subsequent note counts down to “0”. This, Jean...