>> “I have spent a great deal of time during the last decade shifting the blame for my debt. Whose fault was it?” There is no one single person to point to, b

>> “I have spent a great deal of time during the last decade shifting the blame for my debt. Whose fault was it?” There is no one single person to point to, but I'll take a whack at it: 1. The father, who should know better, for agreeing to co-sign a loan for a worthless degree. A 5 minute conversation with ANYONE related to the degree would have told him the facts. I wanted to be a video game designer and my parents would not sign for a loan for a degree in that area. We compromised on Computer Science. BULLET. DODGED. I'm a bit sorrowful I'm not working at my passion, but I'm pretty young and for all I know being a game designer would have made me miserable. Traveling the world, living comfortably, and putting away a lot of money as a computer programmer is not something I'm about to complain about. 2. The people giving these people toxic loans for degrees that have no chance of every paying off. They have essentially created a servant class that has to pay a large % of their monthly take-home to a parasitic student loan company. Instead of taking risks, buying houses and cars, and getting more useful education, they are doing data entry. The best minds of my generation are doing data entry and working at call centers. 3. The Universities themselves. How is it at all ethical to allow students to go through a 4 year program, charge them 100k for the effort, and then turn them out on the streets to suffer for years and years? I remember in my non-major classes in college, the attitude of other students with worthless degrees and professors who teach them was: Don't talk about it. Don't think about it, just keep going. Which is bullshit. Talk about it. Tell the students what they are getting into.