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NEW YORK, NY - JULY 01:  People walk on the Columbia University campus on July 1, 2013 in New York City. An interest rate hike kicks in today for student loans, an increase for 7 million students. Congress left town at the end of last week failing to prevent rates on new Stafford student loans increasing from 3.4 percent to 6.8 percent.  (Photo by Mario Tama/Getty Images) Mario Tama/Getty