When Kristen Stumpo graduated with honors from Quinnipiac University School of Law last year, she not only had a degree to show for her efforts but a daunting student loan debt. Relatively, though, she considers herself lucky.

A year after passing the Connecticut bar exam, she has a good job and is making steady payments toward her federal student loans. That’s in contrast to some of her classmates, who have been unable to find work after taking out six figures’ worth of loans from both federal sources and commercial lenders.