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A student-loan debt insurance program may help advisors and their clients with college-age kids narrow down their list of ideal schools, especially if the student’s career goals aren’t likely to result in big paychecks.

The Higher Education Loan Protection (HELP) program from Kapnick Insurance is a way for colleges and universities to differentiate themselves as parents and students get more selective about choosing their school in the face of potentially unpayable levels of debt.

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