Perhaps a combination of - a sense of normality ("everyone else I know does/did it, so will I!") - a sense of numbness ("I already have 45k in loans, what's a

Perhaps a combination of - a sense of normality ("everyone else I know does/did it, so will I!") - a sense of numbness ("I already have 45k in loans, what's another 25k?") - optimism ("since I went to college, I'll be making more money as I get older and can pay off all of this faster!") - apathy ("meh, I'll deal with it somehow")