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... the only source of light in Leo Wallace’s cramped apartment.

Outside, the Pittsburgh sky was perpetually a hazy gray, stained by steel, as if the last wisp of black smoke from the factories of decades past had yet to dissipate.

But right now, the color of the email on the screen was even more jarring than the sky outside his window.

From: Federal Student Aid Office

Subject: [FINAL OVERDUE NOTICE] Your Federal Student Loan Account is Severely Delinquent

In ...

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