> The reason they aren't dischargeable is because what bank in their right mind would give a loan to an 18 year old with no collateral? Over 90% of loans are o

> The reason they aren't dischargeable is because what bank in their right mind would give a loan to an 18 year old with no collateral? Over 90% of loans are owned by and issued by the federal government. It's not banks Congress was protecting.