Sarah Dougherty attended college on partial athletic and merit scholarships, then pursued her dream of becoming a veterinarian. Now more than 10 years into her career as a vet, she owes more than three times her annual salary in student loans. Here she talks about how she got to this debt level and how it has impacted her career and adult life, from big picture items like home ownership and supporting her children's educations to everyday choices to getting into an income-driven loan repayment plan.