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From preschool to high school and to our public universities, Connecticut must demand more for its investment in education by strengthening the curriculum and graduation requirements for all students - making certain they enter the workforce with the professional and technical skills they need. Then the colleges introduced the students to lenders who underwrote big loans without any idea of what the students might earn someday - just like the mortgage lenders who didn_t ask borrowers to verify their incomes. More broadly, the faith reflects a quintessentially Vietnamese trait: casting around for role models, then trying to meld the best aspects of several of them into something uniquely suited to Vietnam. They would do whatever they could to get Cortney into the best possible college, and they maintained a blind faith that the investment would be worth it. Employee Provident Fund (EPF) is another retirement-oriented investment vehicle that helps salaried individuals get a tax break under the provisions of Section 80C of the Income Tax Act, 1961. EPF deductions are typically a percentage of an employee's monthly salary, and the same amount is matched by the employer as well. Today, however, Ms. Munna, a 26-year-old graduate of New York University, has nearly $100,000 in student loan debt from her four years in college, and affording the full monthly payments would be a struggle.