If you or a student you know has applied for a student loan to pay for college, you may be familiar with the ever-popular entrance and exit counseling that goes along with said application. Sounds pretty good, doesn't it? You know, warn the students and parents of the consequences of taking out these kinds of loans? Helping a graduating senior set up a repayment plan? Oh, if only it were that helpful.

The problem I see with these kinds of counseling sessions is that they come from offices an ...

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