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The United States has one of the lowest minimum wages of any modern country in the world. Our modest salary floor impacts our economy on every level, from the rising underemployment rates to a bloated welfare program that chiefly rests on the backs of the struggling middle class. 

If you’re like millions of other Americans in a similar position, you’re always looking for ways to intelligently pay down some of your debt. There are several advisor types and methods out there in this area, including businesses based entirely around this theme.

College students, take note! If keeping up with your coursework, acing your exams and scrambling to hand in every term paper before the deadline weren’t enough, you now have something else to worry about: Student loan scams are on the rise. Scammers know you hate owing tens of thousands of dollars, so they’re quick to offer you an easy — but completely bogus — way to free yourself from that debt. Or, they might falsely claim you owe the feds taxes on your debt. If you’re already stressed about your student loans, that makes you an easy target.