Even for 18 year olds with an inclination to think it's all bullshit-- nobody will ever present you with an alternate viable path. It's always "You don't want

Even for 18 year olds with an inclination to think it's all bullshit-- nobody will ever present you with an alternate viable path. It's always "You don't want to end up a loser right? Sign here..." and next thing you know the creditors are calling looking for their $X0,000. Classic peer pressure techniques apparently count as sagely advice when coming from high school guidance counselors