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When thinking about college, education and financial aid over the past 20 years the first word that comes to mind is expensive. For credit unions the changes in the student lending market place over the past two decades has led to one thing: opportunity.

Since 1990, the average undergraduate tuition, fees and room and board for a full-time student for all college institutions has more than doubled. The average cost for an undergraduate student to attend college full-time in 1990 was $6,562. In 2007-2008, the latest data available, the cost was $16,245.

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