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Americans owe more than $1.71 trillion in student loan debt as of Jan. 27, and it takes students an average of 18.5 years to pay off their loans.
However, some students have found a way to receive credits without taking on the costs of college classes.
College Level Examination Programs testing is administered by the College Board and allows students to earn college credits without needing to be enrolled in the course, which could save students money in the long run.
Michele Rice, a director of Penn Stateâs Prior Learning Assessment, said CLEP exams test for knowledge in specific disciplines like SAT subject tests.