The findings of this report reflect similar results from previous studies conducted by groups such as the Education Trust and AARP. But, despite the wealth of data, Jason Cohn, a research associate from the Urban Institute’s Center on Education Data and Policy, noted that the impact of loan debt on older adults is often overlooked. But when you draw attention to the fact that loan debt can force seniors to work far longer before retirement or exit without the dignity of a plan for long-term care, it can give people a new perspective.