Surpassing the market value of media giants Microsoft and Facebook combined, the national student loan debt ceiling is coming up on crisis levels. The United States is no stranger to financial disasters; the Great Depression still within living memory, the mistakes of the past are perhaps going unheeded as we approach yet another potential crisis. Reaching $1.4 trillion, millions of Americans from recent grads to Gen X continue to struggle to make monthly payments. To make it worse, there’s only…