Dear Annie: My daughter “Theresa,” now 46, always wanted to be a doctor. I divorced her father when she was 4 and her sister was 2-and-a-half. When it came time for college, her father refused to help, and I couldn’t afford to pay for it as a single mom.

Determined, Theresa joined the Army and used the GI Bill to earn two undergraduate degrees while working full-time as a medical technician. She then earned her Master of Science with scholarships and loans. During this time, she got married and had a son, now 7. At 39, while pregnant, she applied to medical school. She used student loans to cover tuition, rent, day care and food. A few years later, she had twin girls and took a year off school to care for them.

She graduated last year but now faces over $500,000 in student loans. Her hus

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