It’s a mandatory requirement that students receive counseling before taking out U.S. government student loans, but over 40 percent of borrowers never receive such counseling.

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31% of Americans claim that non-essential expenses (i.e. video games, TV, luxury goods) contribute the most to their credit card debt.  BE CAREFUL WITH EXPENDITURES to avoid going into debt.  REBLOG to help your friends keep debt low.! 

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