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More than half of all student loan borrowers are concerned they will be unable to repay their debt, according to a paper released today by the Urban Institute, a Washington think tank, using data from the 2012 National Financial Capability survey. The report found that 57 percent of all student loan debtors are concerned about repayment, and 9 percent of student loan borrowers never attended college at all — either because they borrowed for vocational certificates or because they borrowed on behalf of family members.