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Edwards states that the factor for this is since (1) moms and dads and grandparents are co-signing loans as well as (2) since individuals in their 40 s and also 50 s are going back to institution to get new abilities to construct up their resumes, so they are taking out trainee fundings for themselves. She states this is since even more women go to college compared to males, and additionally because they are much more likely to pursue a graduate degree, resulting to a larger burden of lending financial obligation.

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