In this May 10, 2019, photo, graduates enter Sanford Stadium during the University of Georgia's Spring commencement in Athens, Ga. The first student loan bills are arriving for the Class of 2019. If the grads are able to stick to the standard plan, they'll make payments every month for the next 10 years and be done with it. (Joshua L. Jones/The Athens Banner-Herald via AP) **FILE**
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