So many problems here: * Public service loan forgiveness * Inability to get out of loans through bankruptcy * "College, college, college" mantra where colleg

So many problems here: * Public service loan forgiveness * Inability to get out of loans through bankruptcy * "College, college, college" mantra where college is specifically defined as a big expensive place you go * Kids' first "grown up" financial decision is a big one * Majors that don't have a track record of paying off with no real counseling or information to encourage more realistic choices * Kids taking easy or "cool" majors without thinking very hard about the financial trade offs * Going back to (expensive) school as a way to hide from debt payments * Many colleges more like joining a social club than an educational institution. The first two years at university are very expensive but no better at educating than a community college. We know these are all problems, we just have no will to fix them. Politicians are looking for a political money-shuffling solution after the damage is already done, not looking for policies that will prevent the harm.