S.C. of Merrick, NY writes: I'm hearing so many things about changes to student loans, particularly the Stafford loans. I'm so confused. Could you clear the air?

The College Whisperer replies:

Clearing the air, as far as Congress is concerned, would take a heck of a lot more Febreze® than student loans could possibly pay for. That said, here's the low down on the changes to Direct Student Loans the feds enacted effective July 1, 2012, courtesy of our friends at the Student Loan Network:

No more...

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