Once more, My Show of Appreciation for helping me avoid this

[UptonSinclair]

It is tempting to say, "they should know better," but I try to remember we are talking about college aged kids. Many have never dealt with debt before so the reality of it doesn't register like it does with us old timers. At that age, I was in the military running up debt like there was no tomorrow. Combine the immaturity with colleges that are telling them cost shouldn't be a factor in their decision and you end up with young adults with a lifetime of debt.