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Graduates arrive for commencement at the University of California, Berkeley, in Berkeley, United States May 16, 2015. REUTERS/Noah Berger (NNI.N), Great Lakes Educational Loan Services, Inc, and FedLoan Servicing, also called PHEAA. Nelnet's stock closed down 0.5 percent on Friday. The Consumer Financial Protection Bureau, a consumer financial watchdog agency, is fighting Navient in court over allegations the company deceived borrowers about repayment options and their rights. In an op-ed piece published on the Wall Street Journal website Friday afternoon, DeVos wrote the Obama administration's servicing requirements created a "chaotic system" that generated numerous consumer complaints and was not sustainable. She added the single servicer will establish a user platform and a standardized process for handling customer calls. But Natalia Abrams, executive director of the advocacy group Student Debt Crisis, said Obama's plan to have servicing companies compete for federal contracts based on customer-service ratings would have been more effective. "With zero competition, we are concerned about a 'too big to fail' student loan company that has zero incentive to work for students, borrowers, and their families," she said. Trump is making good on Republican campaign promises to get government out of the business of student lending, and recently lifted limits on fees debt collectors can charge some defaulted borrowers. The Washington Post has reported he will propose major changes to loan repayment in his forthcoming budget, including eliminating a program that erases student debt for public-sector workers after 10 years of payments.

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Herschel, the Vancouver, British Columbia-based lifestyle brand known for its modern take on the classic backpack, sold its 15 millionth bag. It's a long way from the firm's beginnings, which saw founding brothers Jamie and Lyndon Cormack strike out on their own with no manufacturing background. But with so many pieces already out on the market, a growing list of competitors, and a business that already sells to over 100 countries, will the brand be able to stay cool enough, in the coming years, to maintain its success? "We found that the bag market was underserved," Jamie says of the 2009 start of the company. "We talked about lots of ideas but we kept going back to [bags]." And for good reason: At the time, there was a giant space in the market for design-driven bags at a consumer-driven price. And that's just what Herschel delivered, dominating the market and collaborating with brands like Coca Cola, Apple, and Stussy. But now, it's time to expand. "We don't want to get comfortable," Jamie said. "We love to grow and we want to change." That change this year comes in the form of two apparel lines, Voyage and Forecast, to be released in July เป้สะพายหลัง ยี่ห้ออะไรดี at stores that already sell the brand's bags like Nordstrom, Urban Outfitters and Bloomingdale's.

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Popular top handle bags , for instance, made up just 8.7 percent of Macy’s total bag offerings, according to London-based Edited. That compares with 33 percent at Barneys New York Inc. and 20 percent at Nordstrom Inc. “They’re missing out on the critical products that can drive full-priced sales,’’ Smith said. That’s forced the chain and other retailers to rely on discounting to move merchandise. And consumers have now been trained to expect markdowns, said Simeon Siegel, an analyst at Instinet LLC. Macy’s discounted almost 2,500 handbags last quarter, while both Neiman Marcus and Barney’s New York marked down at least 900 items, according to Edited. “They need to figure out a way to operate in a new normal” of discounting, Siegel said. Sales growth in handbags is estimated to decelerate to 3.1 percent by 2020, from 16 percent in 2012, according to market research firm Euromonitor.

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