I don't think it's entirely fair, I think the expectation is that students know they need to go to college and they understand they can only go to college via l

I don't think it's entirely fair, I think the expectation is that students know they need to go to college and they understand they can only go to college via loans. Accordingly, they know that the terms are what they are, there really isn't much variation, so they just go ahead and sign the papers to get it over with.