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If that's the case, then why is student debt such a problem? Or is that equally overhyped?



Student debt is structurally not the same as other debt because it's non-discheargeable and this changes a lot including who is offered the debt in the first place.


The latter difference is a good one in a great many cases. If asked to name two major factors to elevate people into the middle class, I’d choose education and ownership of their home.

Policies and structures to allow people on the precipice access to funding required to take the leap and which attempt to keep the system stable by putting personal “skin in the game” find support with me.


The wage premium holds even after accounting for debt




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