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" Until a generation ago, most undergraduates didn’t borrow much or at all to finance their studies." This statement is not only true but is something I can relate to. I started UT Austin (back then, just UT because we didn't have all the branch campuses, e.g., UTSA, UTEP) in the fall of 1959. I never even applied for student aid because tuition was laughingly small. Of course, I had the advantage of being an Austinite and living at home. RE textbooks, when I was teaching at the Austin Community College, I always got a laugh out of my students when I told them that my most expensive textbook in '59 was $5 (and that was a brand-new copy.

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