WASHINGTON — The raw numbers are staggering: 45 million Americans owe $1.56 trillion in student loan debt, more than all of the credit card or auto-loan debt combined. The bulk of that student debt, more than $1.1 trillion, is in the hands of Uncle Sam. Specifically, a little-known office within the Department of Education called Federal Student Aid (FSA) — motto: “Proud Sponsor of the American Mind.”

But it isn’t the Education Department that

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