Sorry, I think the problem has more to do with USA Today readers than fear of debt. When the first bubble burst, a lot of people went back to school to finish

Sorry, I think the problem has more to do with USA Today readers than fear of debt. When the first bubble burst, a lot of people went back to school to finish their degree or get an upgrade. In essence they made money when there was a lot of it around and went back to school when there wasn't.