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The biggest problem in my experience is that people don't just take out loans for tuition. They take out huge loans to pay for food, housing so that they can live very comfortably (have money for going out drinking/partying, etc). There is a lifestyle expectation that people are willing to pile on more debt while they pursue a degree that provides little chance at paying it back.



"We'll toss the dice however they fall,
And snuggle the girls be they short or tall,
Then follow young Mat whenever he calls,
To dance with Jak o' the Shadows."

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