20181109-November 9, 2018 issue

CCCS President Noelle Carter in her West Seneca office. Carter graduated from college 11 years ago with $60K in student loan debt.

CCCS President Noelle Carter in her West Seneca office. Carter graduated from college 11 years ago with $60K in student loan debt.

CCCS President Noelle Carter in her West Seneca office. Carter graduated from college 11 years ago with $60K in student loan debt.

CCCS President Noelle Carter in her West Seneca office. Carter graduated from college 11 years ago with $60K in student loan debt.

Brandee and Drew Mencer in their Orchard Park home. Brandee graduated Niagara University with close to $55,000 in debt. With the help of a finacial planner and her husband she paid it off in 2016.

Brandee Mencer in her Orchard Park home. Mencer graduated Niagara University with close to $55,000 in debt. With the help of a finacial planner and her husband she paid it off in 2016.

Brandee Mencer in her Orchard Park home. Mencer graduated Niagara University with close to $55,000 in debt. With the help of a finacial planner and her husband she paid it off in 2016.

Brandee and Drew Mencer in their Orchard Park home. Brandee graduated Niagara University with close to $55,000 in debt. With the help of a finacial planner and her husband she paid it off in 2016.

Ryan Taughrin in his Lancaster home. Combined, Taughrin and his wife have amassed close to $100,000 in debt. The couple works in education and participate in the public loan forgiveness plan but say they cannot afford an emergency fund or save for their daughters' future education costs.

Ryan Taughrin in his Lancaster home. Combined, Taughrin and his wife have amassed close to $100,000 in debt. The couple works in education and participate in the public loan forgiveness plan but say they cannot afford an emergency fund or save for their daughters' future education costs.

Ryan Taughrin in his Lancaster home. Combined, Taughrin and his wife have amassed close to $100,000 in debt. The couple works in education and participate in the public loan forgiveness plan but say they cannot afford an emergency fund or save for their daughters' future education costs.

Ryan Taughrin in his Lancaster home. Combined, Taughrin and his wife have amassed close to $100,000 in debt. The couple works in education and participate in the public loan forgiveness plan but say they cannot afford an emergency fund or save for their daughters' future education costs.

Amy Bath credits her late husband and psychology background for pursuing her career path.

Amy Bath credits her late husband and psychology background for pursuing her career

Amy Bath credits her late husband and psychology background for pursuing her career path.

John Slenker, a longtime analyst of the local business scene recently retired from his job as a NYS Department of Labor market analyst.

John Slenker, a longtime analyst of the local business scene recently retired from his job as a NYS Department of Labor market analyst.

John Slenker, a longtime analyst of the local business scene recently retired from his job as a NYS Department of Labor market analyst.

Craig Pridgen senior vendor management analyst at M&T and pastor at True Bethel Baptist Church in the lobby of One M&T Plaza.