> The point is not to take a productive citizen and hang upon a yoke of debt for much of their life. That may have been true once upon a time, but is certainly

> The point is not to take a productive citizen and hang upon a yoke of debt for much of their life. That may have been true once upon a time, but is certainly no longer true since the 2005 bipartisan bankruptcy reform law, which had the specific intent of hanging yokes of debt on productive citizens.