No it IS your fault.. you CHOSE to go to an expensive school, you CHOSE to take out loans to do so...
IT IS NOT NUANCED...
Things didn’t work out like you planned, but that’s not other peoples fault, it’s your fault.
You then COMPOUNDED the problem by not paying on them for years, which while it helps your monthly cashflow, increases your balance, as the interest continues to compound.
Stop blaming others for YOUR decisions
*** Stop blaming others for YOUR decisions***
I have a sister that blames everyone around her when things go wrong based on HER poor choices. She’s never at fault for anything.