P:A problem isn't that complex and what you're describing is not even close. You're overestimating the amount of information that educators and loaners have ac

P:A problem isn't that complex and what you're describing is not even close. You're overestimating the amount of information that educators and loaners have access to regarding job markets, and besides: it's not their job to predict what someone will do in four years. Loans are not tied to specific degrees with specific salaries. You don't lose part of a loan because you pick a major or employer. Making these life decisions is the individual's (and/or their guardian's) responsibility, and just because some make bad decisions doesn't make it "like" p:a.