These proceedings include five papers presented at a symposium on issues related to the increasing amounts of student borrowing and resulting student debt. Also included is a synopsis of a roundtable discussion addressing core questions framed by the symposium, as well as several public policy options for addressing student loan debt burden. The first two papers describe recent research on current borrowing patterns and debt levels, and how these have changed in recent years. The papers are: "Student Borrowing: Is There a Crisis?" (Jacqueline E. King) and "Reality Bites: How Much Do Students Owe?" (Patricia M. Scherschel). The third paper, "Early Labor Force Experiences and Debt Burden" (Susan P. Choy) describes a study comparing the early labor force experiences of borrowers and nonborrowers. In the fourth paper, "Life After Debt: Summary Results of the National Student Loan Survey" (Sandra Baum and Diane Saunders), findings of a national survey of students' repayment experiences and attitudes toward borrowing are reported. The final paper is "Singing the Student Loan Blues: Multiple Voices, Multiple Approaches?" by Patricia Somers and James Cofer. It details results of borrower interviews concerning student experiences with borrowing, lenders, and their colleges. The final chapter reports on the roundtable discussion which identified various policy options, including avoiding raising loan limits, especially for first-year students, and investigating ways to limit the use of credit cards to finance postsecondary education. Attached are the symposium agenda and a list of participants. (DB)