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.

How can you help clients (and their children and grandchildren) manage this enormous and growing debt burden? Here are two ideas.

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