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How Student Loans Are Crippling Americans (& What They’re Doing About It)

Student debt is messing with one of our favorite things: education. We break down what’s changed and how to fight back with a smarter college plan:

  • Pay less for the same degree: Use scholarships, test-prep gains, and core credits at community college to lower total cost.

  • Go career-first: Choose schools and majors with strong placement and earnings, not just prestige or “fun Saturdays.”

  • Leverage geography: In-state tuition and local networks (alumni, employers, mentors) can pay dividends for decades.

  • “Measure twice, enroll once”: Treat college like the major financial decision it is and avoid lifestyle upsells that raise tuition.

We finish with a practical Q&A: combining FOO steps 8 & 9, the 2-3-8 car rule, dialing in a 3 vs. 6-month emergency fund, second-home down-payment nuance, whether DVC “counts” in net worth, and how to ease off hyper-saving without regret.

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