Student loans are an absolute necessity for many students in today's economy, but they're also among the worst forms of debt you can have, burdening students and sometimes permanently crippling their financial lives. Our guest Heather Jarvis, who appeared on Adam Ruins College, is going to tell us how we got here and give us practical tips on navigating the world of student loans. Heather is an attorney and student loan expert. She has practiced public interest law for more than a dozen years and has contributed to student debt relief policy for the House Education Committee and others in Congress.Adam is on Twitter @AdamConover and you can find past episodes and bonus content from the TruTV show at AdamRuinsEverything.com.Produced by Shara Morris for MaximumFun.org.