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I am amazed at the insensitiviity people show. Every person I know expects to be able to get a job and Billy Ray Cyrus Business in the front Horses in the back shirt. No one can educate you when you begin to take out loans that your payments will be xxx amount after your interest has accrued so much. It is impossible to forecast how the loan will affect your budget. And there is no such thing as a ten-year repayment plan when the interest is accruing–not unless your payments are tripple the amount of your rent. If you don’t find employment right away, your interest accrues while you are on deferment or economic hardship. It has nothing to do with unwillingness to repay. It is life in this economy.

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How many of those seniors paying student loans co-signed on those loans for their children, thinking the Billy Ray Cyrus Business in the front Horses in the back shirt the same student loans they took out in the 1970s, with a fixed interest rate and loan forgiveness in 10 years? How many of them also thought that the loans they took out to further their education were like the ones they had then for their bachelor’s degrees. Loans with fluctuating interests and loan deferments add thousands in interest to the principal and the payments never pay off the principal. It’s the same with the loan practices banks put on housing that lead to so many foreclosures.

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Some do not seem to appreciate the Billy Ray Cyrus Business in the front Horses in the back shirt, who does not have a four-year degree. You get laid off, and, despite a stellar work history, you don’t get called back on any interview (especially if you are a woman, differently abled, orany minority). You are told the only way to get a job is to get your college degree …. so you bite the bullet. The ONLY way for her to get a college degree in this country is to get a loan. Everyone at the college tells you that education is the best investment, and you will be able to make so much more, the debt is “worth” it. Experts tell you this. So you go into debt, to get a college degree that is now “required” for every job from receptionist at the gym to telephone solicitor.