[morgante]

> so few know that they're expected to repay loans

What?

Literally every student I talk to knows full well that loans are meant to be repaid.

[dredmorbius]

Lots of loans are "meant" to be repaid (that's a literal, not a scare quote).

But if it turns out that it cannot be, virtually all are dischargable in bankruptcy.

Student loans are a very, very rare exception. Also a rather recent one.