America is facing a crisis so serious that it has the potential to cripple an entire generation of would-be entrepreneurs. Thanks to student loans, a whopping $1.3 trillion in debt is burdening 44 million American adults of all ages—even senior citizens. In fact, U.S. student loan debt is greater than the combined credit card debt of all Americans, and is larger than the combined economies of more than half of the countries in the world. On average, America’s recent graduates are leaving college with a debt of $30,100, which is roughly the price of a new car. That kind of debt makes it very difficult for anyone to start a new business.