> all the people who worked hard for the delayed gratification of their long-term planning get penalized and have to pick up the tab for the people who spent 4

> all the people who worked hard for the delayed gratification of their long-term planning get penalized and have to pick up the tab for the people who spent 4 years partying without any concern about cost of their education or lifestyle Are you sure you're not getting these two groups backwards? All the people that I know of who "worked hard and delayed gratification" are precisely the people who are getting penalized by having to jump through hoops that the "partying" type does not seem to have to worry about.