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Single Mom HelpLoan MoneyPaying Off Student LoansHome Improvement LoansStudent Loan DebtStudent DebtPayday LoansCollege DegreeDebt PayoffStudent loans and ‘risk-sharing’ – the problem with penalizing colleges when graduates can’t payThrough “risk-sharing,” colleges could be on the hook to help pay back student loans if too many students default. A scholar who studies the ethics of debt examines how risk-sharing could backfire.