Agree regarding personal responsibility. But it goes both ways: lenders should be held responsible when they make loans to borrowers who do not have a reasonabl

Agree regarding personal responsibility. But it goes both ways: lenders should be held responsible when they make loans to borrowers who do not have a reasonable ability to repay a debt. For all other classes of debt, the mechanism that enforces this responsibility is bankruptcy (or forfeiture of the property, in the case of a home or auto loan), but bankruptcy is not an option for student loan debt. Eliminate the exemption from bankruptcy that student debt currently enjoys and you eliminate the student debt problem.