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It's that time of year and mid-terms are under way, and for many of you this will be your first time writing them.  Exams can be difficult and quite stressful, especially if you're uncomfortable with the course material. Many of you are probably wondering how to pass exams so this might turn into a long post, but as a blog dedicated to helping students I feel as if it is justified.

Do we need to force people into getting a debt training license like we issue drivers licenses?