@Bunnyslope @Twig I think there's a good argument to be made that many people were essentially tricked into these loans. If an 18 year old who hasn't earned a single dollar in his life would go to the bank and ask for 100k for a house, they'd laugh in his face, but if he wants it for his harvard course in underwater basket weaving, they get it. the usual market forces that protect people these kinds of loans are willfully hindered by the government. All this while telling people that the only way to be successful is to get a university degree. Sure, in the end, people have themselves to blame, but I think it goes far beyond 'this guy is an idiot and signed a contract'.