Let's see how we got here... 1 - Everyone says you need to have a degree to succeed 2 - the government guarantees tons of school loans 3 - schools raise pric

Let's see how we got here... 1 - Everyone says you need to have a degree to succeed 2 - the government guarantees tons of school loans 3 - schools raise prices because loans are so easy to get 4 - many student choose majors that have a negative return 5 - people suffer from student debt, but can't discharge it in bankruptcy ... Huge economic impact ensues. It took 5 steps to get here. We only need to change one to change this problem.