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Johnson C. Smith University announced 21 non-faculty layoffs Thursday (as well as the freezing of 30 unfilled positions) in response to a significant enrollment decline this fall, The Charlotte Observer reported. A year ago, fall enrollment at the university set a record at 1,801, but this fall it ended up at 1,387. A key factor in the decline, officials said, was tighter rules on loan eligibility that resulted in some students or families being denied loans that they received in the past -- an issue that has been a source of frustration at many historically black colleges this year.