The debate over President Biden’s proposal to forgive about $500 billion in student loan debt has reached the U.S. Supreme Court. The administration is defending its plan against two legal challenges, with the court expected to make its decision by June as the debt of millions of borrowers hangs in the balance. As intense — and as partisan — as the national dialogue around the issue has become, that the country has even arrived at such a moment signals a profound challenge within higher education: For far too many learners, college does not pay off. Tuition costs are now about 40 times higher than when the first federal loan was introduced in 1958. About 45 million borrowers now colle
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