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Robert Mayer thinks the explanation may have more to do with differences in the customer base: Because credit alternatives were sparse back then, these lenders served a more diverse and overall more creditworthy set of borrowers, so default rates were probably lower.
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The scholarships and financial aid i received still put me at a deficit because tuition+room&board+book fees are just too expensive.
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Joe Terranova refused to bite, stating we'll have to wait for January to gauge the dollar's impact on the stock market.