Not only has Congress almost completely stripped students of their right to disgorge their debts through bankruptcy (amazing, when one considers that even gambl

Not only has Congress almost completely stripped students of their right to disgorge their debts through bankruptcy (amazing, when one considers that even gamblers can declare bankruptcy!), it has also restricted the students' ability to refinance loans. Even Truth in Lending Act requirements – which normally require lenders to fully disclose future costs to would-be customers – don't cover certain student loans. Not so surprising. With high tuition costs, and practices like the above ensuring the amount will almost always be back 100% or more ... and the recipient of these payments, the original entity billing the tuition in the first place? The government. Of course the government pulls out every trick they can to ensure their loans never go unpaid.