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In the United States, the students loan scheme started in 1958, with the passage of the National Defense Education Act (NDEA), and provided low-interest loans for students in fields like sciences, engineering, and teaching before it later evolved to become the Federal Direct loan programme, which allowed students to borrow directly from the US Department of Education. And despite the over 45 million Americans in student loan debt hovering at amount valued around $2 trillion, the system still continues to work because of the strong economic based of the country.

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