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Private student loans are more expensive, riskier, and come with fewer borrower protections than federal student loans. Nevertheless, almost two-thirds of the undergraduates who took out private student loans during the 2007-2008 school year did so without first obtaining the maximum federal loans for which they were qualified. In fact, over a quarter of students who took out private student loans took out no federal loans at all. This is the most dramatic single finding highlighted in “ Priv

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