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I was revisiting this and noticed https://www.brookings.edu/articles/biden-is-right-a-lot-of-students-at-elite-schools-have-student-debt/ seems to contradict your claim that lower income students "borrow more"...did you mean that more lower income students borrow than higher income / lower income students have a higher P(has_student_loans)? That's what I interpret from Brookings, anyways....

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