> Taking out a loan you don't realistically have the capacity to pay back is irresponsible. The loan provider is in a much better position to know who will and

> Taking out a loan you don't realistically have the capacity to pay back is irresponsible. The loan provider is in a much better position to know who will and will not be able to pay back a particular loan. > If you want to fix the problem, stop subsidizing the loans and allow these colleges to die, shrink or reduce costs. Perhaps this is better, but seems unrealistic.