"Debt is not just a money thing. It's about owing and being owed. Money is just one thing you can exchange. You can exchange good deeds, you can exchange revenge, you can exchange murders."

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It's very hard for students not to be in debt unless they've got big scholarships or rich parents. And it's called investing in your future, but like any investment it's risky because your future is an unknown quantity. However, if you don't invest in your future, you may be flipping hamburgers for the rest of your life. So it's a real dilemma.

— Margaret Atwood