> reasonable at face value is since you can't give back your education, that's the justification for not being able to declare bankruptcy At face value, yes, b

> reasonable at face value is since you can't give back your education, that's the justification for not being able to declare bankruptcy At face value, yes, but in the real world if you're not earning enough after 10 years to pay it down, it was a bad investment. Allowing bankruptcy after the passing of a few year's time is a way of notifying lenders, who should be the more sophisticated party to the transaction, that if the career investment fails to pan out, they take a loss. That would work, except that politics become involved, so it doesn't.