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On average, the wage premium for college graduates exceeds the direct and indirect costs of a college education. Average income increases and unemployment rates decrease with higher educational attainment. So long as debt is kept in sync with annual income after graduation, the college graduate should be able to repay his or her student loans in a reasonable period of time.
Student loan debt at graduation is considered reasonable if the college graduate’s annual starting income is sufficient to repay the student loans within a reasonable number of years after graduation. So long as total student loan debt is less than the annual income, the borrower will be able to repay his or her student loans in 10 years or less.
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"Too many people, including plenty of brand-new college graduates, fall far behind on their student loan payments for no good reason. What follows is a basic guide for rookie student-loan debtors that can keep people out of some of the most common types of trouble."