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It’s safe to say that 2016 is the year when skyrocketing education costs and a record $1.3 trillion in outstanding student debt have taken center stage among the most urgent issues facing our nation. In his final State of the Union Address, President Obama reiterated his belief that higher education needs to be made more affordable for all Americans, and that we need to find ways to reduce and help manage student debt.  He stated that too many young graduates are held back by having to start their adult lives “stuck in the red.” 

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