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People in their 40s have the highest student-loan delinquency rate, according to the Federal Reserve Bank of New York

Nearly 12% of people age 40 to 49 have fallen behind on their student-loan payments by 90 days or more, according to the Federal Reserve Bank of New York. Above, students at Centenary College's graduation ceremony in Hackettstown, N.J., in May. Matt Smith / Associated Press
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