This report examines the experiences of students who borrow to finance their education, but are unable to complete their postsecondary programs. Many of those who drop out – particularly lower-income students and first-generation college-goers – discover a year or two into college just how much they will face in student debt were they to stick it out and graduate. These students likely did not have role models for successful degree attainment and, therefore, are easily discouraged from finishing their degrees. As a result, they find themselves in the worst of all worlds – accumulated student debt with no degree to show for it.
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