If you dont wont to be in debt, dont take the loan. Saying that you not getting your secondary education paid for by somebody else dooms you to a life of serfdom just sounds like you whining
This might be good advice to give to an individual, but it’s a terrible conclusion to draw society-wide. Similar to advice about the dangers of drug use, casual sex, driving without a seat belt, or the like.
At a system level, we need to consider people’s demonstrated behavior and look at the practical outcomes of various policy interventions, not decide policy based on moral judgments about whether people deserve their misery.
People are strongly pressured into taking these loans, told that they face much worse life prospects without the education than without the debt, and many of them do not have a full understanding of the risks and opportunities involved. Under the circumstances, many are going to take the loans, whether or not they hear your warning.
When they subsequently can’t pay the debt back, it doesn’t really matter for society whether they are “whining” or not. What matters is that the debts hang around their necks like anchors, preventing them from getting on with their lives, depressing their lifetime earnings, keeping them from buying houses or starting families or taking higher paying jobs, etc., and ultimately making them less capable of paying their own medical bills, supporting their own retirements, and so on.
These are large systemic problems which need to be addressed by large systemic changes, not by punishing people for supposed moral failings by forcing them into poverty.
At a system level, we need to consider people’s demonstrated behavior and look at the practical outcomes of various policy interventions, not decide policy based on moral judgments about whether people deserve their misery.
People are strongly pressured into taking these loans, told that they face much worse life prospects without the education than without the debt, and many of them do not have a full understanding of the risks and opportunities involved. Under the circumstances, many are going to take the loans, whether or not they hear your warning.
When they subsequently can’t pay the debt back, it doesn’t really matter for society whether they are “whining” or not. What matters is that the debts hang around their necks like anchors, preventing them from getting on with their lives, depressing their lifetime earnings, keeping them from buying houses or starting families or taking higher paying jobs, etc., and ultimately making them less capable of paying their own medical bills, supporting their own retirements, and so on.
These are large systemic problems which need to be addressed by large systemic changes, not by punishing people for supposed moral failings by forcing them into poverty.