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The biggest issue contributing to the student loan dilemma also has the easiest fix: Simply change the way in which loans are repaid, states this report. “Free” college is a worthwhile discussion, as are the rising cost of college and a reconsideration of need-based grant aid. But, holding those costly issues aside, small changes in how and when borrowers repay hold enormous potential to ease debt burden and increase repayments, the report contends.