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In which of the following ways has the student loan issue changed since the $1970$s$?$

Multiple Choice

Colleges have shifted much of their costs to students, making student loans bigger and more common.

States have helped keep public college costs down by providing low$-$interest student loans.

The federal government has essentially stopped offering Pell grants, which has increased use of private student loans.

The student loan issue has not changed much, as it still requires massive borrowing by most college students.

Student loan debt has decreased and is now exceeded by credit card debt.