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Austin Dean, an entrepreneur working on his third company and whose student loans debt has interfered with his business aspirations, in Grand Rapids, Mich., Jan. 3, 2017. Fewer millennials are founding companies at a time when student loans are on the rise. “If I didn’t have student loan payments, I would absolutely put that cash into my business,” said Dean. (Sean Proctor/The New York Times) - XNYT163