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ButterflyEffect  ·  3155 days ago  ·  link  ·    ·  parent  ·  post: More Than 40% of Student Borrowers Aren’t Making Payments

    The neighborhoods the poor can afford to live in often have problems with crime and disease and the general environment has a psychological impact on the people that live there.

This is far from the most important things you hit on, but great point about the psychological impact of where a person lives. Recently started to develop an interest in psychogeograpy, maybe this is something veen knows a bit about.