I see your point. Students having some 'skin in the game' is very valuable. I find the rules surrounding the debt far more disturbing than the average amount c

I see your point. Students having some 'skin in the game' is very valuable. I find the rules surrounding the debt far more disturbing than the average amount carried by graduates, which really only amounts to the cost of one typical family car. When you read about people falling on hard times and their debt being tripled by collection agencies with no way out because of bankruptcy laws, its hard not to view it as one more lobbyist-created situation that favors the banking industry.