The complexities won’t end there. Williams says Slowe’s story is not unique. Her students routinely show up loaded down with student debt and without a degree. The for-profit education industry, which exploded along with subprime mortgages and payday lending in the past decade, is largely responsible. A Government Accountability Office study in 2010 picked fifteen schools and found that all of them used some form of deception—or encouraged outright fraud—to pump up their students’ federal loan burden.

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