About seven million undergraduates each year rely on federal loans to enroll in and complete college Many students find that student loans are an excellent investment in their future and are able to successfully repay their loans. Others struggle to make payments, or make payments that do not keep up with accruing interest. This factsheet focuses on colleges where student loan debt is especially burdensome for those who borrow, highlighting colleges where most students borrow and fewer than half of borrowers have paid down even $1 of their loan principal, seven years into repayment. At one in five colleges, most students borrow and few can repay. For-profit colleges make up most of the schools where most borrow and few can repay. First-generation students, Pell Grant recipients, and African-American students are more likely to enroll at colleges where most borrow and few can repay. However, most Pell Grant recipients and African-American students attend colleges with better repayment outcomes.