In 2003, Adam Beverly borrowed $30,000 from Bank One, now owned by JPMorgan Chase, to help cover the cost of attending Ohio State University. He never graduated. Three years later he found himself being sued by National Collegiate Student Loan Trust, which claimed he owed more than $45,000 with interest and penalties. After a two-year court struggle, Beverly prevailed. In September a panel of Ohio judges said the collector had no evidence that it owned the debt and vacated the judgment. Student loans have eclipsed credit cards to become the second-largest source of outstanding debt in the U.S., after mortgages. Since 2007 the federal student loan balance has more than doubled, to almost $1.2 trillion from $516 billion. The Consumer Financial Protection Bureau estimates that students, former students, and their parents owe an additional $150 billion in loans from banks and other private lenders.
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机译：2003年，亚当·贝弗利（Adam Beverly）向现在由摩根大通（JPMorgan Chase）拥有的第一银行（Bank One）借了30,000美元，用以支付就读俄亥俄州立大学的费用。他从未毕业。三年后，他被国家大学学生贷款信托（National College of Student Loan Trust）起诉，声称他欠了45,000多美元的利息和罚款。经过两年的法庭斗争，贝弗利胜了。俄亥俄州法官小组在9月份表示，收款人没有证据表明其拥有债务，因此放弃了判决。学生贷款已经超过信用卡，成为仅次于抵押贷款的美国第二大未偿债务来源。自2007年以来，联邦学生贷款余额增加了一倍多，从5160亿美元增至近1.2万亿美元。消费者金融保护局（Consumer Financial Protection Bureau）估计，学生，以前的学生及其父母还欠银行和其他私人贷款人1500亿美元的额外贷款。
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