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Although higher education has long been seen as a class equalizer, not everybody can take on the debt necessary to afford it. The Pell Grant program was established in to help poor students attend college without taking on loans that limit their options later in life, but the program has not kept pace with the rapid growth of tuition. Some schools with large endowments use their resources to make tuition cheaper for poor students, while others expect even the poorest students to take on substantial debt.
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Recent graduates can fall behind on their loans quickly, and unlike other kinds of debt, student loans are not forgiven through bankruptcy.
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