Your moral judgment notwithstanding, here we are, discussing the problem of people unable to pay their expensive guaranteed loans. Perhaps your proposal is tha

Your moral judgment notwithstanding, here we are, discussing the problem of people unable to pay their expensive guaranteed loans. Perhaps your proposal is that, before someone takes out a loan, they take and pass a course that covers interest rates, credit scores, expected income, alternatives, and other such issues? Is that what you meant?