> “ If it's a bad bet for the bank, it must be far worse of a bet for young adults.“ That’s not a valid implication at all. 18 year olds change their mind all

> “ If it's a bad bet for the bank, it must be far worse of a bet for young adults.“ That’s not a valid implication at all. 18 year olds change their mind all the time, base decisions on impulsive reasons, etc., that comes with immaturity, lack of experience and indecision. The loan being a bad risk for the bank is a function of youthful impulsiveness and a person without the means to pay it back yet. It’s not risky to the bank because college itself is risky or fails to deliver wage opportunities. Not saying college cost-benefit is always favorable, just that your implication is wrong.