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And you may end up with less money in your pocket. Overall benefits are being slashed and fewer homeowners will be eligible. But surprising many, it also cuts payments for the current benefit year ...

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And she's not alone. A full 60% of baby boomers aged 61 to 65 are not on track to have enough money to retire.

Not all student-borrowers will be affected — but many SAVE plan recipients, parents and grad students will feel the shift.

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