Credit and Debt always involve two parties. Student loans are a stupid instrument because there is hardly any way for the debtor to default. That is a perversio

Credit and Debt always involve two parties. Student loans are a stupid instrument because there is hardly any way for the debtor to default. That is a perversion of the very idea of credit. It should be the responsibility of creditors to deal with the risk of default, not saddle people who cannot pay with debt for the rest of their lives. That's how it's supposed to work. Also, so what if it was irresponsible? Does being irresponsible mean that you deserve all of the consequences of your actions and no further examination or thought is necessary? That's just terrible black-and-white legalism. Legalism sucks.