Most agree that education is the key to a successful future. And many American students, along with their families struggle to make sure a college degree is in the cards.

Most families can’t afford to write a check for the full four-year ride at even a public university. Sometimes scholarships or grants are available to help out, but for many student loans are the only way their dream of a bachelor’s degree will ever come true.

The loans, guaranteed by the federal government, are a good deal in most cases. But with college costs already high and skyrocketing even higher...

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