By Alicia Jacobs, Excelsior Life Staff--National news reports indicate student debt is now a trillion dollars. On average, school loan default rates are increasing, while educational costs continue to rise. Debts impact students. Conversely, student loans impact higher education.Media focus is often placed on student debt, but a student's ability to repay their student loan does have consequences to an institution and default rates are monitored by the Department of Education (DOE).On a national level, more students are borrowing more money than...