Many adults look forward to retirement because it means they’ve fulfilled their responsibilities and can focus on feeding their passions. So when a student loan bill arrives attached to a Social Security check it can come as a shock. Some don’t think the cost of an education could follow a person long after their college years—and careers—were over. Yet Smart Money Magazine reports the startling truth, as more seniors deal with the consequences of funding their grandchildren’s, children’s, and even their own late-in-life schooling.