"Rheannon Gustafson could be a harbinger of things to come," The Journal Sentinel reports. "Even after receiving federal loans, the 19-year-old freshman from Salem still owes about $3,200 for tuition and expenses at Winona State University in Minnesota this semester. Her parents can't afford to fill the gap - they filed for bankruptcy this year. Neither Gustafson nor her parents can get private loans, because lenders have tightened standards during the credit crunch. Gustafson couldn't find a job near school that could cover the bill. This perfect storm of economic circumstances has caused Gustafson and her parents to decide she's dropping out after her first semester."