<prompt> Translate the following text to SwahiliMortgage-sized tuition debts, warned the report, have dire consequences for the future of poverty law agencies and legal departments in state and federal government.  <response>: Makopo ya masomo ya mfano wa mkopo wa nyumba yana athari mbaya kwa siku zijazo za mashirika ya sheria ya umaskini na idara za kisheria katika serikali ya jimbo na serikali ya shirikisho. 