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Student-loan debt is on pace to reach $1 trillion in the United States this year and it topped credit-card debt for the first time last year.

More than two-thirds of all college students borrow money to attend college and up to 20 percent of them have loan payments that exceed 10 percent of their gross income after they leave college and the loans come due.
The student-loan debt crisis is deepening as college graduates face difficulty finding good-paying jobs and the cost of a college education continues to climb, more than 538 percent in the past 30 years.