> wage garnishment Exactly, it just becomes a deferred tax. There are also laws that cap how much a person's wages can get taken specifically with student loan

> wage garnishment Exactly, it just becomes a deferred tax. There are also laws that cap how much a person's wages can get taken specifically with student loans. It maxes out at around 10%. Again, I do not agree with it. But to pretend the sky is falling is false. That's also why, as you've noticed, laws have been adjusted in the wake of the abuses of the for profit university industry. As well as accreditation crack down on the organizations that accredited these for profit universities. I'm not saying it's right or just. I'm only saying it's intentional and not some giant debt bomb surprise that the government is not expecting. It's just kind of how the US tries to do things. By having loans they are trying to apply market forces. The idea is that students will do a better job as a whole deciding what schools and programs continue. And again again, I'm not saying I agree. Just relaying that there is an actual design behind it.