Every year about this time, I get a rush of mail from newly minted graduates wanting to know how to repay their college debt. This is also the time of year I'm given the opportunity to speak on college campuses on the subject, mostly to students who rather would talk about anything else than their plans for repaying that debt.

And every year, I wonder why these questions don't come up at the beginning of the college experience, rather than at the end when options have narrowed considerably.< ...

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