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The Bill and Melinda Gates Foundation wants more students to finish college. But rather than funding individual scholarships, the Foundation is offering $20 million to developers who design tools for young adults, particularly those from low-income families, to help them stay on track to earn their degree. The Next Generation Learning Challenges (bit.ly/9CHgdb) offer grants of $250,000 to $750,000 to jumpstart solutions such as online learning, open courseware, and digital gaming that engage students, particularly in introductory courses …