I won't dispute that students will pay. I think it is predatory, though, on the part of the colleges. I'd argue students, by and large, don't have the maturity

I won't dispute that students will pay. I think it is predatory, though, on the part of the colleges. I'd argue students, by and large, don't have the maturity to make such consequential financial decisions (taking on loans representing multiple years of their future gross income that can't be discharged in bankruptcy). The average young person just hasn't had the duration of life experience to think on a 10+ year horizon. (Arguably a shortcoming of humanity in general.)