re: At least half of students defaulted or failed to pay down debt within 7 years

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I think pushing the idea of the Gap Year would be a great thing.

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I've pushed for this for years. TOPS even allows for students to take a year off after high school before enrolling in college.

People like myself would be substantially benefited by sitting out a year and figuring out what they want to do before starting college. Many students go straight into college because they're told they have to/should.

The only downside is that typically institutional scholarship offers are only good if you enroll in the semester immediately after graduation. But the types of students who could use a gap year typically don't qualify for scholarships anyway.