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My credit wonk take on student debt: we need to either make college free or dramatically improve underwriting/risk management for student loans. Ultimately though, better underwriting would probably require enforcement of the kind of education you can get which sounds... bad
(2/2) and not for nothing, but the burgeoning ISA industry is basically already blazing the "better underwriting" trail by tying repayment to a fixed % of future graduate earnings and then only giving ISAs to people getting degrees with high earnings potential
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