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Samantha Banning did not have her best day. She had graduated high school early the month before, and it was her eighteenth birthday. Working full time as a barista at the coffee shop down the street from her house, Sam was having a hard time imagining how to pay for her tuition at The University of Illinois. She had managed to save about $10,000 over the previous few years, and her grades were good but not good enough for anything more than a partial scholarship. Sam would be able to get student loans, but it...

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