Keep in mind, the 2008 financial crisis happened because a tipping-point number of people didn't understand how variable interest rates worked & after that cris

Keep in mind, the 2008 financial crisis happened because a tipping-point number of people didn't understand how variable interest rates worked & after that crisis, we did exactly nothing in our public education system to explain how they worked. It's not like 2008 happened and everyone had an epiphany. The predatory loan practices simply continued in the student loan space.