You are correct however credit cards and credit scores go together and with low scores come low limits. There is no school loan analogue thus the situation. Th

You are correct however credit cards and credit scores go together and with low scores come low limits. There is no school loan analogue thus the situation. The only way to get around this would be for most to not be able to go to college with a loan at all, which isn’t going to happen. Also, though credit card debt is unsecured, the creditors can garnish your wages, and since your limit and hence debt scale, in effect they can generally take a high percentage back.