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How to politely ask guests to give money instead of gifts for our wedding?

I don't event know if there is a polite/appropriate way to do this and the reason we are doing it is because my Fianc?e and I just got out of college and we are trying to start life and possibly a family. We both have good jobs but are in huge student loan debts. We'd just rather have money and chose how to spend it rather than get gifts that we may not need right now or that we can just buy in the future when we are more stable. Thanks for the help 1. We are 27 (finishing college post-grad). How old do you expect us to be? 2. I now know there isn't a polite way. 3. It's not that we don't have enough money to get married or start a family, it's just that we went to school and studied and now we have to pay for our education.

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