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Nevertheless, you’ll want pristine credit to qualify for a rock-bottom price. Federal student loans will qualify, though those from private institutions do not. Nearly 20 million borrowers would have seen their debt erased totally. Brea Govan, 30, is disappointed she will have to repay the $9,000 of debt from her master’s degree at American University. She believes college affordability hits at the root of the student loan issues.

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