35% of students are very worried about being able to remain in college if they experience a financial setback such as a big car-repair bill.Image:  One reality has become clear in Paul Goebel’s 16 years as director of the Student Money Management Center at the University of North Texas: individuals have different levels of tolerance for debt. One nontraditional student “was a quarter million dollars in debt—but she wasn’t losing sleep over it. I was losing sleep when I looked through...

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