Reading this will either remind you of the student loan debt nightmare you've been trying to forget, or make you thankful that you don't have any. The Wall Street Journal examined recent statistics on federal student loans and learned that more than one in five people are struggling to pay their loans back:

Excluding borrowers who don't yet have to make payments because they are still in school or within the grace period, more than a fifth—about 22%—are in default or forbearance, a program that allows borrowers to postpone payments for a period, typically for financial reasons.

So basically, 22 percent of people will experience long-term financial burdens, or they'll have to hope they land high-paying jobs just to pay back loans. That will probably require more schooling, which more than likely means—you guessed it—more loans.

That's why some of those tears you see at graduation aren't tears of joy.

[via Gakwer and Wall Street Journal]

RELATED: Attention: Student Loan Rates Could Go Through the F*cking Roof