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I'm so glad you're with us and welcome to the Clark Howard Show where it's all about you and that quality yours.

I want you to learn ideas to me so you can keep more of what you have.

And I want to talk about something that has been a real upset to millions and millions of Americans

about what's coming up this fall.

And that is how college and university is going to work.

And for both the students and their families, this has been tumultuous.

You know, we've got things all over the board.

We have colleges that are going to be all online again for this year.

And then we've got a lot of schools that at least for the fall semester are doing three part hybrid education offerings.

And I mean, I have read some of these things from colleges and I read the one from my daughter's college where she's a junior.

And a lot of them are following this method where you go back to school in August.

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