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The purpose of this article is to shed critical light on the financial hardships that many individuals, the first author included, experience while earning and paying for advanced degrees. As a young tenure-track assistant professor of educational foundations, Nicholas shares his personal experiences of incurring a great amount of student debt while earning his Ph.D. Lucille, an associate professor, analyzes his account, both during and after, from a critical financial perspective, and both authors conclude with recommendations for all Ph.Ds.—whether newly minted, up-and-coming, or long established—especially those in the field of education.
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