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“You have to decide, Do you use your loans for a study aid or for a rainy-day fund in case someone at home gets sick?” Mr. Johnson said. “I haven’t had dental insurance in two years. When tuna is on sale for 80 cents a can, I go buy 30 at CVS.” msn.com/en-us/money/careersandeducation/i-have-a-ph-d-in-not-having-money/ar-BBXhYlq?ocid=ARWLCHR