Which college should I attend? How much can I safely borrow? Should I take a half-time job or an unpaid internship? Join a fraternity or sorority? In playing Payback, a free web-based game, “students see running totals of their debt but can also track academic focus, the connections they’re making that could be useful later and their overall happiness — crucial factors in actually finishing college and graduating with a job that can help them repay their debt,” writes Ron Lie