[shams93]

Its called loan consolidation, take a set of loans that total say 70k and get talked into consolidation before you develop math skills and with deferments to deal with the regular boom bust cycle of layoffs over 20 years and that blows up into 400k easily, I've seen it first hand. Mine are paid off but if I had free education or skipped it, I'd be wealthy. Instead I'm broke but my loans are paid off. But it took an insane effort over 20 years to do it, that could have gone into starting a successful company instead of feeding the federal government for a service that costs $0 in other countries.

My dad didn't have my education or skills, but he got a job working for the federal government and was shielded from the up and down of the economy. His education was paid for, his home loan was 12k. But he had things too easy and now he has dementia lol.