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2 million Americans have been repaying their federal student-loans for 20 years

“You’re working with a small number of people in the first place who were in it,” said Nicholas Hillman, an associate professor in the school of education at The University of Wisconsin-Madison. “A lot can happen in your life in 25 years; to whittle it down to 32 at the end, 32 people who must have stuck with that bureaucratic mess over this period of time, in some ways that’s not at all surprising because it’s a gauntlet.”