The current federal student-loan program has some problems that must be addressed. For example, [NEEDS ANSWER]. In order to address this situation, [NEEDS ANSWER]. First, [NEEDS ANSWER]. Second, [NEEDS ANSWER]. Finally, [NEEDS ANSWER]. Not everyone agrees that this is the way to solve these problems, however. Some say [NEEDS ANSWER]. Others point out that [NEEDS ANSWER]. These objections make sense, but [NEEDS ANSWER]. All in all, [NEEDS ANSWER].

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