Yeah that was silly. This is still relevant, though: "Most significant, New Jersey’s loans come with a cudgel that even the most predatory for-profit players

Yeah that was silly. This is still relevant, though: "Most significant, New Jersey’s loans come with a cudgel that even the most predatory for-profit players cannot wield: the power of the state. New Jersey can garnish wages, rescind state income tax refunds, revoke professional licenses, even take away lottery winnings — all without having to get court approval."