Evaluate both effectiveness and ineffectiveness of crime hotline
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These initiatives ineffectiveness get individuals into debt at very early age and due to it all focus of an individual shifts towards repaying the loan rather than focusing on career.
Students loan leads to individual being in constant stress and therfore his/her creative abilities takes backseat and chances are that an individual will sacrifice long term growth in his/her career for a short term financial benefit and hence student loan in a way is deterrent to an individual succes.
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