[shados]

> that this is someone (I assume somehow) their faults

They certainly don't take zero blame, especially if it happened in the last decade. The student debt crisis has been front and center for a while now. If in the last few years someone did that, and they don't know any better, they're seriously living under a rock.

The system should change, and Im not even against forgiving debts because it might just be straight up better to do for society, but saying the people who take on those loans and sign at the bottom have zero responsibility? They turn 18 long before they're completely crushed with the debts, and if I was to tell an 18 years old that they can't make decisions they're responsible for, I'd get an earful.

[girvo]

It’s about incentives. We were told in no uncertain terms that as a 17 year old making this life changing decision: do it, or be poor forever.

Now. I personally didn’t listen properly, dropped out after two years and did something else. But I don’t blame those who didn’t. Everything in modern middle class society and schooling was based around it.

So focusing on the individuals responsibility above and beyond that of the broken system that we have no choice but to join seems, well, cruel to me — even if I did personally follow your advice.