Kaitlyn McCollum teaches at Columbia Central High School in Tennessee. After being told her TEACH Grant paperwork was late, her grants were converted to loans. “I remember going out to the mailbox — I even opened it up at the mailbox — and sheer panic just set in,” she says.

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Kaitlyn McCollum teaches at Columbia Central High School in Tennessee. After being told her TEACH Grant paperwork was late, her grants were converted to loans. “I remember going out to the mailbox — I even opened it up at the mailbox — and sheer panic just set in,” she s