Adrienne Briggs has $55,000 in student loans. Each month, she pays $150 toward the debt. Briggs runs a small child care center out of her home in Philadelphia, Pennsylvania, where she’s been caring for children for 30 years. “I am 62 years old and should be looking toward retirement,” Briggs said. But with loans to pay, she doesn’t think that will happen. She kept chipping away at the loans, even during the suspension of federal student loan payments intended to provide relief during the pandemic. But that extra effort barely brought the debt down. “I’ll probably have to work until…