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Irk away, but ask yourself…is it any more fair for the system to be manipulating us? 
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<p>IMO the whole need-based system is (at best) set up to adequately parse aid between Leave it To Beaver families who have two-part paycheck jobs (with traditional pensions and retirement) and home ownership. For the rest of us it’s like having our financial futures decided by a “not-overly-bright” Pomeranian.</p>