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Individuals save and invest to enhance their quality of life. Another approach that we’re testing is cohorting college students. A lot of our college students come to us and might really feel a sense of isolation, particularly those studying online. They are not solely convinced that they belong in the college environment to begin with as a result of they have been a method for so long. It can be demoralizing, and sometimes we lose these college students. So cohorting would be certain that they have a community of scholars they can rely on as they face they inevitable challenges, …