It’s well-known that student debt is a major issue. However, because more and more students need to take an exam before they begin their career — the steep costs they face in test prep has become an increasing problem.

Read below for more information on student debt — and how test prep has become a contributor to the student debt crisis.

Source: American Bar Association, “Law School Tuition” report, 2013

Source: New York Federal Reserve, “Non-housing Debt Balance,” fourth quarters, 2004-2014

Source: New York Fed Consumer Credit Panel / Equifax, 2015, “Payback Time? Measuring Progress on Student Debt Repayment.” Only a little more than a third (37%) of all borrowers are making regular payments on schedule.

Source: Archive.org and news reports of prices for the “big two” bar prep companies.