Kelly Christensen and her ex-fiance, Joel Nerenberg, sit outside their home in Burnsville, Minn. Despite their broken engagement, the two are living together because they can't afford to sell their house for what it's worth now. Courtesy of Kelly Christensen and Joel Nerenberg hide caption

itoggle caption Courtesy of Kelly Christensen and Joel Nerenberg

Fahiya Rashid, who attends the University of California, Irvine, says she got some wise advice from her father. When he went to college he took on too much debt, and he's still paying it back. Ariel Edwards-Levy/Youth Radio hide caption

itoggle caption Ariel Edwards-Levy/Youth Radio

A salesman hands a customer a Mega Millions ticket in a New York deli last August. Despite the recession, national lottery sales were up $1 billion over the past year. Daniel Acker/Bloomberg via Getty Images hide caption

itoggle caption Daniel Acker/Bloomberg via Getty Images

Andrew Lowenthal (left) receives his $50 gift card from Red Velvet Cupcakery employee Lauren Knight at the company's store in Washington, D.C. More than 2,000 customers purchased the cards for $25 through a deal with LivingSocial. Mito Habe-Evans/NPR hide caption

itoggle caption Mito Habe-Evans/NPR