| http://www.w3.org/ns/prov#value | - Even the low-interest loans of 3.4 percent are higher than many of today's home-equity loan rates.To its credit, institutional aid to UMass students, mostly in the form of grants, has more than doubled in the last few years, from $68.4 million in 2006 to $169.2 million in 2013.Nevertheless, UMass and other colleges and universities should not include loans in its usually trium
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