Girlie takes out a loan with no guarantee of career that would provide means for repayment.
Well, let's get this straight too: bank pays out unsecured loans to kids with lousy credit in order to finance worthless degrees. Why would that happen in a capitalist society? Because banks and government collude to run these worthless paper mills to keep each other employed with the taxpayer left to back the loans.
Government funding and mandates devalued higher ed, made it a "right," and hence made it worthless - well, expensive and worthless.
Bingo! And when these millenials start walking away from these oppressive student loans.... BOHICA!