I completely agree about the effect of government aid. Still, individuals have a responsibility to make sure they can afford the degree before they choose to take on the debt. Just because it’s available doesn’t mean it’s free.
I agree. There is no excuse for not paying the loans back, though today they represent a poor investment for most. The correlation between education and remuneration are less reliable as the costs increase and intrinsic value is replaced by compulsory mediocrity.