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In December, the Consumer Financial Protection Bureau (CFPB) reported that Americans now owe a trillion dollars in college debt, more than they owe in car loans. In January Fair Isaac’s FICO Labs indicated that the average debt outstanding (per student with loans) increased to $27,253 in 2012, with 15% of loans now in delinquent status and the U.S. delinquency rate rising sharply.

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