Mallory Anthony laughs as she describes herself as "the face of student loan debt in America."
But the 26-year-old woman who owes about $32,000 really doesn't think her struggle is funny at all.
"I get by on the bare minimum health and car insurance. I'm frugal with my grocery shopping, and I try not to eat out much."
So Anthony was delighted to learn that President Barack Obama is accelerating a plan that might knock hundreds of dollars from the check she writes each month to her lenders.
The changes could affect as many as 1.6 million Americans.
First, the cap on monthly loan payments will be lowered to 10 percent of a student's discretionary income - down from the 15 percent set in a law passed last year.
Second, under the "Pay as You Earn" plan, the break begins in January, instead of 2014.
Unsure how she might be affected, Anthony hopes for some relief.
Anthony remembers "the overwhelming fear" felt six months after her 2007 college graduation when it was time to pay for school and she didn't have the money.
"I've had to ask my family for assistance paying them back," she said, and deferred some payments.
Working full time in admissions at Rockhurst University as well as some evenings and weekends as a nanny, she's taking classes toward a master's degree at Webster University.
That means yet more ...