lenders would be more careful if they knew their loans could be discharged in bankruptcy.
The new welfare scam is 'disability' - the 'disabled' get to dump their student loans... Fake schools that offer nothing except to 'split the money' are making out like bandits ...
Oh and the disability scams are destroying a system that was designed to protect the disabled. When scammers crash the program, they'll go on to the next scam. Those who really are disabled will die.