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In this Friday, Feb. 8, 2013 photo, Xavier University student Triton Brown studies in a common area on campus before going to one of his part time jobs in New Orleans. Thousands of students unexpectedly either had to stay at home, transfer to a less expensive school or find new money when the U.S. Department of Education quietly changed how it evaluated the credit of parents applying for a federal PLUS loan. Brown, a Milwaukee native who is a freshman at Xavier University of Louisiana, said his family was counting on a PLUS loan, but his mother's application was rejected after he had been accepted the previous semester.

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