Luke Helton said he may have to dig into his retirement savings to afford his higher student-loan payments. Jessica Tezak; Alyssa Powell/BI Luke Helton realized too late that he rushed into law school. After taking out $80,000 in student loans for undergrad at the University of Tennessee, he thought going straight for his J.D. would propel him into a stable career. So he borrowed more to make that happen. Personal life challenges derailed his final year, and he failed the bar exam. By the ti...