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28. Donghoon Lee. “Household Debt and Credit: Student Debt.” Federal Reserve Bank
of New York media advisory, February 18, 2013.

29. For more on this, see, for example, Tony Wagner. The Global Achievement Gap: Why
Even Our Best Schools Don’t Teach the New Survival Skills Our Children Need—and
What We Can Do About It. New York: Basic Books, 2014.

30. Yong Zhao. “Test Scores vs. Entrepreneurship: PISA, TIMSS, and Confidence.”
Zhaolearning.com, June 6, 2012. Retrieved from h p:// zhaolearning.
com/2012/06/06/test-scores-vs- entrepreneurship- pisa- mss- and- confidence/.

31. “The Enterprise of the Future.” IBM 2008 Global CEO Study. Retrieved from h ps://
www-935. ibm.com/services/uk/gbs/pdf/ibm_ceo_ study_2008.pdf.

32. h p://zhaolearning.com/2012/06/06/test-scores- vs- entrepreneurship- pisa-
mss- and- confidence/.

33. Yong Zhao. “ ‘Not Interested in Being #1’: Shanghai May Ditch PISA.” Zhaolearning.
com, May 25, 2014. Retrieved from h p://zhaolearning.com/2014/05/25/not-
interested- in- being-#1-shanghai- may- ditch-pisa/

34. U.S. Census Bureau. “Current Popula on Survey 2013.” Annual Social and
Economic Supplement 2012. Retrieved from h p://www.census.gov/hhes/www/
cpstables/032013/pov/pov28_001.htm.

35. In D.C., Oregon, Alaska, Georgia, and Nevada, and in many inner-city districts, for
example, gradua on rates are well below 70 percent.

36. Henry M. Levin and Cecilia E. Rouse. “The True Cost of High School Dropouts.”
The New York Times, January 25, 2012. Retreived from h p://www.ny mes.
com/2012/01/26/opinion/the-true- cost- of- high- school- dropouts. html?_r=3&.