February 27, 2004

How to Manage Student-Loan Debt

By NORMA CARMONA and KIM THOMPSON

You're a new professor, and you've probably got loads on your mind. You've just defended your dissertation, successfully navigated a long and exhausting job search, moved into the next psychological stage of your life, and possibly relocated to a new city. Or you're a new student-affairs administrator, learning the ropes on a new campus and just getting to know which colleague's face to put with which topic.

Among all those issues, however, financial worries, especially student loans,

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