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Loan overload

The Federal Reserve Bank of New York reports that student debt has climbed to $904 billion in the first quarter, a debt load that is being blamed for everything from lagging first-time home sales to a spike in depression among college students. The increase is due, predictably, to steep college costs, cutbacks in financial aid and a weak job market. Student loan debt now exceeds what Americans owe on credit cards or auto loans.

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