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Yep, the hidden fact of student loans is that the ones struggling to pay it off most often aren't the ones with $100k+ in student loans.

Those usually graduated from a mid to top tier school with a marketable degree, and won't have many issues paying the loans.

The ones struggling usually have lower amounts, and got leo-marketability degrees from for-profit or low-tier schools.

But this doesn't mean that there isn't a problem. There is one, it is massive, and it is bad for society.