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I really hate my dental school loans. This is not a feeling that changes when I dig into the twelve different payback models or daily interest tracking spreadsheets I have assembled to assuage my guilt that education loans financially hobbled my family when I thought they’d do the opposite. And really, the hobbling is an emotional feeling as well — not even three years out of school is a poor time to assess the unvarnished facts of an investment in higher education.

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