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The rules that govern the disbursement and collection of student loans differ from those that govern most other forms of debt.Even though student loans aren't tied to a vehicle, house or other tangible asset, they are treated as "secured" loans for repayment purposes.

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The number of companies offering private student loan consolidation is surprisingly small.

With such a small number of competitors on the market, it critical to explore all of your options.

Of that 20 million, close to 12 million – or 60% – borrow annually to help cover costs.

In Europe, higher education receives much more government funding, so student loans are much less common.

Approximately 43 million have student loans, with an average balance of $30,000.