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What do you have in place to pay the people who are carrying -- >> nothing. >> reporter: whatever the industry's plans for changes in the future, that doesn't solve the problem now. chris cuomo, abc news, new york. >> amazing some of the tricks recruiters use. in some cases telling the agents, undercover agents, they're not penalized if they don't pay back their federal student loans which we all know is far from the truth. >> it is sad to see they're taking advantage of people who really need help the most. for example some of these recruiters said they were told to look for pain points. they...