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No, make it less formal, more like Collectively, 43 million Americans owe $1.6 trillion in student loans. And I know there's a personal responsibility angle here. You take out the loan, you sign the contract, you should pay it back. But there's an old saying that if you owe the bank $100, it's your problem, but if you owe the bank $100 million, it's the bank's problem. And the student loan problem has become a systemic problem in America because these borrowers are feeling like they're in a hole
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