The debt in this case was self imposed, and I'm completely confused about that. To follow a passion, why not take classes at a community college? I may be leavi

The debt in this case was self imposed, and I'm completely confused about that. To follow a passion, why not take classes at a community college? I may be leaving empathy here, but but the decision seems inexcusably foolish. Relatedly, I remain confused about why, in another common case for further education, parents are allowed to take these loans out on behalf of their children. College at this point serves a couple of purposes in society, but the financial driver is probably that it is a sign of successful parenting. If a parent can't afford to send their children to college, they should have to do so with a collateralized loan, not one they can saddle upon their child.