I'm not meaning to imply they're babies who can't make life decisions. What I'm saying is that 1) many## people aren't informed when they make the decision to t

I'm not meaning to imply they're babies who can't make life decisions. What I'm saying is that 1) many## people aren't informed when they make the decision to take out such a large sum of money, 2) the consequences of the decision don't set in until 4 or 5 years after making the decision (bring on the cognitive dissonance!), and 3) there's incredible social pressure to do it. For many families, the degree is the Golden Ticket, which should be obtained no matter the cost. ## I'm using many in the sense of personal experience and the experience friends and family. So if you want do to a [citation needed] argument here - sure, whatever.