N.J. Free College Plan Leaves Questions

Governor Phil Murphy’s $50 million pitch for free community college excludes most New Jersey households in favor of the poorest students, the majority of whom already receive government aid.

His spending proposal offers little relief to those attending four-year schools in a state with the nation’s fourth-priciest public-university system. The increasing cost of such schools has helped drive the U.S. student-debt pile higher than that for credit cards, automobiles or home equity, and a rising default rate echoes the mortgage binge that caused 2008’s housing meltdown.

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