[sokoloff]

I basically agree with you, but these ARE loans made to people without a specific, current means to afford them.

That seems perfectly appropriate to me (and I assume to you), but this lack of being able to predict the future income stream of an individual is a large driver in making them not dischargeable, because that allows the product to exist.

Because I agree with you(r presumed position) that these are not ridiculous loans and that their availability should be encouraged, I'm strongly in support of the terms necessary to make them available.