I thinking your loading the article with subtext that it doesn't have. I don't see any language in there indicating that they think the fault lies with her; he

I thinking your loading the article with subtext that it doesn't have. I don't see any language in there indicating that they think the fault lies with her; hell they even describe her situation sympathetically. They're just describing that she's not likely to be able to pay her loans and that the inventory of loans is shifting more towards people with similar risk profiles.