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Since March 1962, the debt ceiling has been raised 74 times, according to the Congressional Research Service. Ten of those times have occurred since 2001. Expect more of the same over the next decade.
At the same time that debt has been going up, colleges across the country have been hiking tuition and fees and families' incomes have been shrinking, student loan debt has risen at an average rate of 6% per year from 2008 to 2012, the report found.