EDWARDS, Senior Circuit Judge:
Every year, Congress provides billions of dollars through loan and grant programs to help students pay tuition for their postsecondary education. The Department of Education ("the Department" or "the agency") administers these programs, which were established under Title IV of the Higher Education Act of 1965 ("the HEA" or "the Act"), Pub.L. No. 89-329, 79 Stat. 1219, 1232-54. Students must repay their federal loans; the costs of unpaid...
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