i started when she was in kindergarten. i was very young when i had her. i did not know she was going on to go for her masters. i was not prepared for that. i did not know that she was one are gonna want to go to law school. but once she told me about, it i just encouraged her, i'm, like yes, what do you need to do? >> when marcellus mother needed to do was taking out a 46,000 dollar loan. >> i'm trying to work with her because, after she finishes it's going to be over $200,000. >> wait a minute. marcella started out with a 46,000 dollar loan and now it's john doe thousand dollars! >> most of my salary is going into paying off my student loan during now but even with that after four years of residency i'm going to be in $50,000 more debt. >> i have talked to people and they say, i have been paying my student loans for years, and i making all my payments, on time. and yet, i owe more now than i did at the beginning. what is that? >> that is the phenomenon of compounding interest.