As long as the money from federal loans rolls in, many seminarians find it hard to think ahead to how they are going to pay back the $40,000, $60,000 or $80,000 or more that is their chunk of a student debt tab that has reached $1 trillion. Yet what began as a critical problem for a small percentage of prospective clergy is reaching alarming levels as seminary students get swept up in a national crisis, new research indicates. It is not enough that growing numbers of clergy with burdensome loans report having to put off for years the ability to get married and start a family or buy a house. Now, graduates wanting to explore a religious vocation may be “too poor to take the vow of poverty,” one research center commented.