FRANKFORT, Ky. (AP) -- Of the 81 Kentucky schools eligible for federal student loan programs, 35 showed a three-year default rate that was higher than the national average of 13.8 percent, according to a published report citing federal data.

The state's worst default rates are found at private, for-profit "career colleges" and several campuses of the Kentucky Community and Technical College System, the Lexington Herald-Leader reports.

For-profit schools tend to cost more than taxpayer-supported community colleges and put students deeper in debt.

Donald and Stacey Lee racked up about $70,000 in federal insured student loans while attending private, for-profit Daymar College's campus in Paducah.

They quit school last year because of day care problems with their son and defaulted on the loans.

They find themselves buried in debt.