Here in the states almost no one can afford an education without school loans, then when you graduate you owe 10s of thousands of dollars and have poor job prospects. They are govt loans and the govt cuts you no slack. The interest rates arent good and if you remain unemployed and cant pay for long enough, you go into default. Then they will take it out of your paycheck when you get one and any tax refund you may be entitled to. We're not in too good of shape over here. That is why people in their twenties still live at home.
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