Elissa Nadworny

Starting Monday, Advanced Placement exams, which test high schoolers' knowledge of college material, will take an unusual form. The high-anxiety, college credit tests normally last three hours and are taken in person. But this year, in response to disruptions from the coronavirus outbreak, the College Board, which administers AP exams, shortened the tests to 45 minutes and moved them online.

Most days, 25-year-old Chavonne can push her student loan debt to the back of her mind.

Between short-term office jobs in the Washington, D.C., area, she drives for Uber. But once in awhile, a debt collector will get hold of her cellphone number — the one she keeps changing to avoid them — and it all comes back fresh. "I'll be like, 'Oh no!' " she says. "It's a sad reminder that I owe somebody money!"

In April, she got another reminder when the government seized her tax refund.

All this for a degree she never finished.

Lots of people have student loans: more than 45 million people. They collectively owe about $1.6 trillion.

That is, of course, a lot of debt — but amid all the national debate right now about what to do about it, it's important to remember that not all debt is created equal, and some borrowers are struggling more than others.

Our Take A Number series is exploring problems around the world through the lens of a single number.

Some high school students think of applying to colleges as a full-time job. There are essays and tests, loads of financial documents to assemble and calculations to make. After all that comes a big decision — one of the biggest of their young lives.

For top students who come from low-income families, the challenge is particularly difficult.

It's no secret that we've had a rough fall and winter with natural disasters. Even as we write this, fires burn in Southern California, adding to the previous wildfires in the northern part of the state that burned over 245,000 acres in October.

Hurricanes Irma and Harvey devastated communities across Florida and Texas, while touching communities in Georgia, Alabama, Tennessee, the Carolinas and Louisiana.

A federal report out today reinforces the notion that when it comes to state standards, proficiency is still in the eye of the beholder.

A top-scoring student on Arizona's reading test may fall far below average in states with more rigorous exams, like Massachusetts or Wisconsin.