Star Trek Expanded Universe
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The Educational Debtor Service Program was a Lyran Starfleet program that allowed civilian university graduates with student debt to serve in the military as either chief petty officers or ensigns, depending on the educational level reached, until their tuition debt was paid off.

Vincour became an ensign after graduating from Aldanna University. (Star Trek: The Stoneship Files: "Cruchitude Dump")

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