[speakfreely]

I don't disagree with you, but I think it's more nuanced than that.

As someone with student loans who remembers my thinking when taking them out, I can assure you that almost every 17-18 year old who is accessing a student loan meets your definition of a fool. There's simply no way for anyone to expect someone at that age to understand what they're doing, especially when there's such societal pressure to signal success in your age cohort by going to school.

The societal expectation of "successful kids go to college" mixed with the shortsighted government intervention of making these loans available to basically everyone is an absolute recipe for disaster.

I am against forgiveness of student loans but I think they should be dischargeable in bankruptcy. The idea that you can make such disastrous decisions so early in your life that you can never opt out of is patently unfair, but there needs to be a high personal cost to ejecting from the situation.