The steep increase in college tuition and student debt over the past decade has led our country to engage in a serious debate about the need to reduce college costs and student borrowing. Yet many misconceptions remain about the scope or magnitude of the problem that student debt poses to our national economy and student debtors’ financial security.1,2 More than 44 million Americans, or nearly 1 in 5 adults, now carry student debt. That share is even higher among millennials, one-third of whom have student loans.3 And the burden of carrying student debt isn’t borne equally— today more than half of African American households under age 40 have student loan debt.4 Student debt has negative impacts for many borrowers; studies show that student debtors have less savings, more difficulty purchasing homes, and less retirement savings.5 However, student debt is particularly damaging for individuals who struggle to repay their loans: borrowers who are seriously delinquent on their payments or who default on their loans. Delinquent borrowers are saddled with fees, penalties, and rapidly-accumulating interest; borrowers who default on their loans face ruined credit and a debt often several times their original loan balance. Even worse, they cannot even turn to bankruptcy for relief from their loans, unlike most other kinds of debt, and face a debt collection process that is often punitive and draconian
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Answer&Explanation:
Water is absorbed from the surface to the underground water where it get preserved as it recharges aquifers however through this process when water percolate through the surface to the groundwater it contains polluted surface particles and as water flows it takes this polluted particles or materials with it to the rivers,ponds and lakes. Hazardous chemicals can be transferred to the rivers and underground water through the flow of water from the surface and through percolation to the groundwater.
Answer:
The wall of separation is talking about the division of powers of the branches. The wall of separation ensures that there is never an established dominated branch of government. The fouding fathers were especially concerned about the executive branch becoming too powerful.
Explanation: