Not to say the system before was right. Now after a pretty low threshold it does not matter how much you borrow. If you go to work in public service, your payback in only 10 years is based on your income and has nothing to do with how much you borrow. If you are greedy enough to work for a private company the same rule is about 20 years???
If you go on for a doctorate or a couple of masters degrees, you can borrow nearly $100K from Federal loans (the type that uses the 10 year payback).
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