Won’t flame you, either, but I would like to borrow some money from you. Will sign any number of appropriately-negotiable notarized acknowledgments of debt, payment schedules, etc. I’ll promise to pay you back, really. So can you spot me $50,000 or so?
Sure. PM me your physical mailing address and I'll send a package to you. BTW, the entire house of cards is about to come down.
We are not allowed to make students in school learn responsibility in any facet of their lives. Parents will not allow it to happpen. How in God's name do you think that the generations coming up are going to be able to pay back loans. Almost no one will advocate disciplining children to be responsible, productive citizens. Loan repayment is a thing of the past as a result. Get a clue.