Debt Diaries is a series about how student loan borrowers save, spend and pay off debt on a daily basis. Want to share your debt diary? Email debtdiaries@nerdwallet.com. Shannon Beranek craved an iced coffee after toiling all morning in 94-degree heat. But the civil engineer owes almost six figures in college loans, so she parked... Teddy Nykiel is a writer at NerdWallet.