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In DK’s piece comparing the Biden reforms to student loans with the English system, he concludes he’d now rather be an in-state public university student in the US than an English-domiciled undergraduate here, from a finance perspective.

My take is the opposite.

Even given the new reforms, the student finance system and its different repayment options in the US are horrendously complex. I spent a good hour or two reading on it for this piece; I read DK’s piece several times; and I still can’t swear to fully understanding it.

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