Virginia Hernandez of Phoenix was a high school freshman struggling through her classes two years ago, when she met a pitchman for the Arizona Career College. With promises of a dazzling career, he persuaded her to drop out and enroll in a $5,000 "computer communications" course. She would qualify for a federally guaranteed student loan, she was told, if she would fake her age upward a year to 17. Though her school guidance counselor warned that she lacked the skills for such a program, Hernandez enrolled, only to quit when the going got too rough. Now receiving bills for $4,400 in...
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