It's easy to say "they are stupid, they should have thought about it before making those decisions." When I think back i was very stupid at 18, but that's the

It's easy to say "they are stupid, they should have thought about it before making those decisions." When I think back i was very stupid at 18, but that's the age everyone expected me to go to college, and everyone told me it's ok to take a loan because with a great education I'll have the best job, and it will be easy because I'm super smart. Everyone encourages an young dumb 18 year old to get in a large debt like it is nothing. Then, "do you have good credit? Get a good car cause you don't want to be thinking about fixing it, you want to focus on your studies" Then, "buy a house, otherwise you are throwing money away every month while you could be investing in your own home" This is something totally normal, it's the system. It's so ingrained in us (at least in the US) that not having these debts is socially shameful.