A ‘teacher penalty’ is crushing generations of educators with debt

After nearly two decades in public service, James Stewart, a science teacher from Maryland, is fighting an uphill battle to deal with $122,000 in student loans.

“It can be overwhelming,” the Dorchester County Public Schools teacher told Yahoo Finance, explaining that he managed to avoid student debt for his undergraduate education and master’s degree but took on loans for his doctoral degree in educational leadership at the for-profit chain University of Phoenix

When he applied for


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