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My undergrad degree was paid for with grants and student loans. It took me 10 years to pay off those loans, more probably, because I took the year off from paying option when I was in some dire financial straights. The grad degree was paid by a combination of paying for classes outright and credit cards. I went to a "cheap" school ... around $500/class instead of $500 (or more) per credit from most of the schools nearby.
It was harder to pay off the credit card.
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