The Education and learning Division unveiled a list of proposals to reform the university student-bank loan business. Preventing desire capitalization, which grows on a borrower’s principal balance, is a single of them. The target is to get rid of capitalization that is just not required beneath the Greater Instruction Act. Loading Anything is loading. Daniel Tapia, 41, bought his bachelor’s diploma in dental cleanliness more than a 10 years back. But his monetary situation has been significantly from straightforward because then. “I’m monetarily paralyzed by crippling credit card debt and I can’t get forward in existence,” Tapia previously instructed Insider. “Murdered by the university student-mortgage business.” To pay for the schooling…