I give the PC a "native language" skill equal to either their INT or EDU, whichever is HIGHER.
I allow PCs to roll [the average of INT + CHA] + EDU or less to know a second language as there are many Bi-Lingual families in the US. The primary languages we normally use are:
Spanish
German
Italian
Chinese/Korean
Indian
Native American dialects
but I will allow any language with a suitable backstory. This second language starts at the PC's EDU score in Skill level.
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