[akanet]

It's not disingenuous; I think an earlier draft had it. This came down from 4000 words. I'll try to ask my editor to add this as a correction but things are pretty hectic. It's a fairly minor omission in my opinion, but I understand disagreeing.

[tomhoward]

It's hardly a "fairly minor omission" in a country where the conventional tertiary education saddles the average student with a debt that is often far bigger than $30k, doesn't expire, and cannot be escaped even through bankruptcy, meaning that even retirement benefits can be garnished above a meagre $750/month.

[737min]

Agree it’s a minor point, can’t expect OP to fit every contractual detail in a short article.

[cambalache]

Well, it is to me.