managing student loan debt college graduation day is supposed to be fun but its hard to celebrate when there is a hefty student loan debt attached to your diploma that is the grim reality for 72 of the class of 2017 graduates who owe an average of more than 37000 for the four years or sfwa bylaws sfwa bylaws bylaws of science fiction and fantasy writers of america inc a california nonprofit public benefit corporation article i name purpose 1 the corporation is named science fiction and fantasy writers of america inc and may be referred to interchangeably in these