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Higher education institutions should set tuition and fees to ensure affordability and expand educational opportunities for all.
All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.
Federal student loan providers should defer payments automatically without penalty or interest during declared emergencies.
People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.
All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.
Policymakers should conduct robust oversight and enforcement related to scams and fraud.