Kantrowitz

Mark Kantrowitz, founder of financial-aid website FinAid.org, estimates that about 5% of the application pool may increase their chances of being admitted by not applying for aid -- with international and wait-listed students seeing the greatest benefit.

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More than two-thirds of M.B.A.s graduated with loans in 2008, the latest year available, with cumulative undergraduate and graduate debt totaling $41,676, according to Mark Kantrowitz, publisher of financial-aid website FinAid.org.

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The average 2011 graduate entered the job market carrying around $27,200 of debt, according to Mark Kantrowitz of the financial aid websites Fastweb.com and Finaid.org.

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The average debt load for students who took out loans hit a record $27,200 for the class that graduated this year, says Mark Kantrowitz , publisher of student-aid websites Fastweb.com and FinAid.org.

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The student loan debt load now outpaces credit card debt, and according to Mark Kantrowitz, who publishes the financial aid websites Fastweb.com and Finaid.org, the average 2011 college graduate carries $27,200 in student debt.

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The debt load is now so great, says Kantrowitz, "in the coming years, a lot of people will still be paying off their student loans when it's time for their kids to go to college."

Arianna Huffington: Back to School and Deeper in Debt Arianna Huffington 2011

For college savers, they confer an added benefit: Unlike 529 college-savings plans, Coverdell Educational Savings Accounts and other popular vehicles, life-insurance policies typically aren't included in calculations for financial-aid eligibility, says Mark Kantrowitz , publisher of FinAid.org, an independent college-planning website.

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Mark Kantrowitz, publisher of financial-aid site FinAid.org, says your total debt at graduation should be less than your expected starting salary.

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High hypothetical projections "are seducing people with the false expectation of what their potential return on investment could be," Mr. Kantrowitz says.

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They're just not as good as they seem at first blush, says Mark Kantrowitz, publisher of financial-aid site FinAid.org and scholarship search engine Fastweb.com.

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