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The big R word — recession. It's looming large, many economists say, and it's hitting college students hard. Many lenders are tightening standards, raising rates and making it otherwise difficult for students (or their parents) to get their hands on money to pay for school. Some lenders have left a federal direct-loan program, too. (We'll have a full story on the front page of Saturday's Californian, so check it out.) How will you pay for college, for yourself or for your children, next year? — Christine Peterson

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