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The United States has experienced a rapid decline in its fertility rate, starting with the Great Recession and declining further since then. Since 2008, the U.S. fertility rate fell from 2.1 right at replacement rate to a record low of 1.6 births in 2020.REF
A college education offers many advantages. Graduates enjoy the benefits of their university’s alumni network, and the diploma can give grads a leg up over non-degree-holding competitors in the job market. College graduates are generally likely to out-earn non-grads over time, and those with postgraduate degrees improve their earnings potential even more.
Under the Administration of former President Barack Obama, the federal government expanded its role in the student loan market dramatically. Today, roughly 90 percent of all student loans are originated by the federal government, leaving a very small share of the market for private lenders. Recent research indicates that the federal government’s involvement has done more harm than good. In fact, the exponential rise of college tuition prices has been attributed to unfettered access to federal student aid.