UNIVERSITY PARK, Pa., Sept. 18 -- Pennsylvania State University issued the following news release:

HERSHEY, Pa. - Janet started gambling when she was just 21. Back then, she said, "It was always just for fun."

But in 2015, a casino opened near her job. Juggling work stress and anxiety, the casino became "a place to hide from the world," she said. Credit card companies kept raising her limits, and soon her wins and losses devolved into a vicious cycle: make bets, lose money, pay down cards, wait for a paycheck. Rinse, repeat.

"You don't cash out when you hit the jackpot," said Janet, a New Cumberland resident who asked that her real name not be used, "because your brain is messed up. You constantly think that you're going to get the bigge...